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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
Annual fee
₹500
Visa · HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
DBS Bank India
Annual Fee
₹500
Reward Rate
10% cashback on online
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | DBS Shop Easy Credit CardMastercard · DBS Bank India | HDFC Bank Shopper's Stop Credit CardVisa · HDFC Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | DBS Bank India | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500 | ₹500 | Lifetime FreeBest |
Joining fee | ₹500 | ₹500 | ₹0Best |
Reward rate | 10% cashback on online | 5 reward points per ₹150Best | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Visa | Visa |
Best for | online-shopping, cashback | online-shopping, lifestyle | rewards, upi, lifetime-free |
Apply |
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
HDFC Bank
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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