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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
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
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
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 | HSBC Visa Platinum Credit CardVisa · HSBC India | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | HSBC India | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,500 |
Joining fee | ₹0 | ₹0 | ₹1,500 |
Reward rate | 2X rewards per ₹100Best | 2X rewards on online spends | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | online-shopping, lifetime-free | bill-payments |
Apply |
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
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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