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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 | Federal Bank Celebration Credit CardVisa · Federal Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹5,000 |
Joining fee | ₹0Best | ₹10,000 | ₹5,000 |
Reward rate | 1 reward point per ₹100 | 5 reward points per ₹100Best | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | premium, rewards | travel, dining, lounge-access |
Apply |
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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