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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 · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Mastercard · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹500
HDFC Bank
Annual Fee
₹3,000
Reward Rate
2 Marriott Bonvoy points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Yes Bank
Annual Fee
₹500
Reward Rate
3X rewards on entertainment & dining
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 | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | Yes Bank Marvel Plus Credit CardMastercard · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | Yes Bank |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹3,000 | ₹0Best | ₹500 |
Reward rate | 2 Marriott Bonvoy points per ₹150Best | 1 reward point per ₹100 | 3X rewards on entertainment & dining |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | travel, hotels, lounge-access | lifetime-free, beginners | entertainment, dining |
Apply |
HDFC Bank
2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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