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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
Annual fee
₹1,500
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
HDFC Bank
Annual Fee
₹1,500
Reward Rate
5% NeuCoins on Tata purchases; 1.5% on others
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
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 Tata Neu Plus Credit CardVisa · HDFC Bank | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | HDFC Bank | IndusInd Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,500 | ₹1,500 | Lifetime FreeBest |
Joining fee | ₹1,500 | ₹1,500 | ₹0Best |
Reward rate | 5% NeuCoins on Tata purchases; 1.5% on othersBest | 2X rewards on all spends | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | online-shopping, rewards | rewards | rewards, upi, lifetime-free |
Apply |
HDFC Bank
5% NeuCoins on Tata purchases; 1.5% on others — Best for online-shopping · rewards.
IndusInd Bank
2X rewards on all spends — Best for rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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