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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
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual fee
₹1,000
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
MMT Black membership; rewards on MMT
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹1,000
Reward Rate
5X on dining & 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 MakeMyTrip Credit CardVisa · ICICI Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | RBL Bank Edge Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | ICICI Bank | Kotak Mahindra Bank | RBL Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹3,000 | ₹1,000 |
Joining fee | ₹0Best | ₹3,000 | ₹1,000 |
Reward rate | MMT Black membership; rewards on MMT | 4X rewards on selected spends | 5X on dining & fuelBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | travel, hotels | rewards, premium | dining, fuel |
Apply |
ICICI Bank
Lifetime free. MMT Black membership; rewards on MMT — Best for travel · hotels.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
RBL Bank
5X on dining & fuel — Best for dining · fuel.
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