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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X reward points on all spends — Best for premium · rewards.
Annual fee
₹10,000
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
RBL Bank
Annual Fee
₹10,000
Reward Rate
5X reward points on all 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 | HDFC Bank IRIS Credit CardVisa · HDFC Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | RBL Bank Infinite Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | RBL Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹10,000 |
Joining fee | ₹0 | ₹0 | ₹10,000 |
Reward rate | 1 reward point per ₹100 | 1 reward point per ₹100 | 5X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Mastercard |
Best for | fuel, bill-payments | lifetime-free, beginners | premium, rewards |
Apply |
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
RBL Bank
5X reward points on all spends — Best for premium · rewards.
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