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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual fee
Lifetime free
Visa · Jupiter (Federal Bank)
5X rewards on top categories — Best for rewards · premium.
Annual fee
₹1,000
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
Jupiter (Federal Bank)
Annual Fee
₹1,000
Reward Rate
5X rewards on top categories
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online 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 | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | Jupiter Prime Credit CardVisa · Jupiter (Federal Bank) | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Jupiter (Federal Bank) | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | ₹1,000 | Lifetime Free |
Joining fee | ₹0 | ₹1,000 | ₹0 |
Reward rate | 3X reward points on all spends | 5X rewards on top categoriesBest | 2X rewards on online spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards, beginners | rewards, premium | online-shopping, lifetime-free |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Jupiter (Federal Bank)
5X rewards on top categories — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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