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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
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 MOJO Credit CardMastercard · Kotak Mahindra Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | ₹2,500 | Lifetime FreeBest | ₹1,500 |
Joining fee | ₹2,500 | ₹0Best | ₹1,500 |
Reward rate | 4 reward points per ₹150Best | 2X rewards on online spends | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Mastercard | Mastercard | Visa |
Best for | travel, lounge-access, premium | online-shopping, lifetime-free | bill-payments |
Apply |
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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