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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
Annual fee
₹500
HDFC Bank
Annual Fee
₹1,000
Reward Rate
5X rewards on Amazon/Flipkart/Myntra; 1X on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
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 Millennia Credit CardVisa · HDFC Bank | Kotak White Reserve 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 | ₹1,000 | ₹3,000 | ₹500Best |
Joining fee | ₹1,000 | ₹3,000 | ₹500Best |
Reward rate | 5X rewards on Amazon/Flipkart/Myntra; 1X on othersBest | 4X rewards on selected spends | 3X rewards on entertainment & dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, cashback | rewards, premium | entertainment, dining |
Apply |
HDFC Bank
5X rewards on Amazon/Flipkart/Myntra; 1X on others — Best for online-shopping · cashback.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Yes Bank
3X rewards on entertainment & dining — Best for entertainment · dining.
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