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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Annual fee
₹3,000
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 | HDFC Bank Marriott Bonvoy Credit CardVisa · HDFC Bank | HSBC TravelOne Credit CardVisa · HSBC India | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HSBC India | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹3,000 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹3,000 | ₹0Best |
Reward rate | 2 Marriott Bonvoy points per ₹150Best | 5X on travel | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | travel, hotels, lounge-access | travel | rewards, upi, lifetime-free |
Apply |
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
HSBC India
5X on travel — Best for travel.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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