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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Mastercard · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Mastercard · IndusInd Bank
5X rewards on dining — Best for dining.
Annual fee
₹750
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹750
Reward Rate
5X rewards on dining
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | IndusInd Bank EazyDiner Credit CardMastercard · IndusInd Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | IndusInd Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹5,000 | ₹750 | Lifetime FreeBest |
Joining fee | ₹5,000 | ₹750 | ₹0Best |
Reward rate | 10X reward points on all spends | 5X rewards on dining | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Mastercard | Mastercard | Visa |
Best for | rewards, premium | dining | lifetime-free, beginners |
Apply |
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
IndusInd Bank
5X rewards on dining — Best for dining.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
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