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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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 RuPay Credit CardRuPay · HDFC Bank | ICICI Coral Credit CardMastercard · ICICI Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹500 | ₹500 | ₹10,000 |
Joining fee | ₹500 | ₹500 | ₹10,000 |
Reward rate | 2X reward points on UPI spends | 2 Payback points per ₹100 on dining | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Mastercard | Visa |
Best for | rewards, upi | dining, rewards | premium, rewards |
Apply |
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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