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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | RBL Bank ShopRite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Federal Bank | Kotak Mahindra Bank | RBL Bank |
Card | |||
Annual fee | ₹1,500 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹3,000 | ₹0Best |
Reward rate | 2 reward points per ₹100Best | 4X rewards on selected spends | 2X reward points on online |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Mastercard |
Best for | rewards | rewards, premium | online-shopping, lifetime-free |
Apply |
Federal Bank
2 reward points per ₹100 — Best for rewards.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
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