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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Visa · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
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
5X reward points on BPCL fuel
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 | ICICI Bank Femina Credit CardMastercard · ICICI Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,499 |
Joining fee | ₹0 | ₹0 | ₹1,499 |
Reward rate | 2X rewards on dining & lifestyle | 1 reward point per ₹100Best | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Mastercard | Visa | Visa |
Best for | dining, lifestyle | lifetime-free, beginners | fuel |
Apply |
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
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