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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 · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
10X reward points on health
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 | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹2,500 | Lifetime FreeBest | ₹1,499 |
Joining fee | ₹2,500 | ₹0Best | ₹1,499 |
Reward rate | 4 reward points per ₹150Best | 1 reward point per ₹100 | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Visa | Visa |
Best for | travel, lounge-access, premium | lifetime-free, beginners | healthcare, rewards |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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