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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Annual fee
Lifetime free
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 | ICICI MakeMyTrip Credit CardVisa · ICICI Bank | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹5,000 | ₹3,000 |
Joining fee | ₹0Best | ₹5,000 | ₹3,000 |
Reward rate | MMT Black membership; rewards on MMT | 10X reward points on all spendsBest | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | travel, hotels | rewards, premium | rewards, premium |
Apply |
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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