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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
Annual fee
₹500
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
HDFC Bank
Annual Fee
₹500
Reward Rate
5X on Myntra; 2X on others
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & 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 | Myntra HDFC Bank Credit CardVisa · HDFC Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Standard Chartered Journey Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | ₹500Best | ₹3,000 | ₹2,500 |
Joining fee | ₹500Best | ₹3,000 | ₹2,500 |
Reward rate | 5X on Myntra; 2X on othersBest | 4X rewards on selected spends | 5X on travel & dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | online-shopping, myntra, fashion | rewards, premium | travel, dining |
Apply |
HDFC Bank
5X on Myntra; 2X on others — Best for online-shopping · myntra · fashion.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Standard Chartered
5X on travel & dining — Best for travel · dining.
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