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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online 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 MoneyBack Plus Credit CardVisa · HDFC Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500 | ₹6,500 | Lifetime FreeBest |
Joining fee | ₹500 | ₹6,500 | ₹0Best |
Reward rate | 10X cashback on partner spends; 2X on PayZapp | 4 reward points per ₹100Best | 2X rewards on online spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | American Express | Mastercard |
Best for | online-shopping, cashback | premium, travel, rewards | online-shopping, lifetime-free |
Apply |
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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