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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
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 Regalia Gold Credit CardMastercard · HDFC Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹2,500 | ₹1,000Best | ₹10,000 |
Joining fee | ₹2,500 | ₹1,000Best | ₹10,000 |
Reward rate | 4 reward points per ₹150 | 3X on online; 2X offline | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | online-shopping, rewards | premium, rewards |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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