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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Annual fee
₹1,000
Visa · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5X rewards on PayZapp
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 Millennia Credit CardVisa · HDFC Bank | HDFC Bank PayZapp Credit CardVisa · HDFC Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | HDFC Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,000 | ₹500Best | ₹3,000 |
Joining fee | ₹1,000 | ₹500Best | ₹3,000 |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on othersBest | 5X rewards on PayZapp | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, cashback | online-shopping, cashback | rewards, premium |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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