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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
Visa · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
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 | Federal Bank Visa Signature Credit CardVisa · Federal Bank | HSBC Premier Credit CardVisa · HSBC India | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | HSBC India | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,500 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹5,000 | ₹0Best |
Reward rate | 2 reward points per ₹100 | 3 reward points per ₹100Best | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards | premium, rewards | rewards, upi, lifetime-free |
Apply |
Federal Bank
2 reward points per ₹100 — Best for rewards.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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