We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
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 · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Mastercard · RBL Bank
5X rewards on travel — Best for travel.
Annual fee
₹3,000
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
RBL Bank
Annual Fee
₹3,000
Reward Rate
5X rewards on travel
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 | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | RBL Bank World Safari Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Kotak Mahindra Bank | RBL Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹3,000 |
Joining fee | ₹0Best | ₹10,000 | ₹3,000 |
Reward rate | 3X reward points on all spends | 5 reward points per ₹100Best | 5X rewards on travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards, beginners | premium, rewards | travel |
Apply |
IDFC FIRST Bank
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
RBL Bank
5X rewards on travel — Best for travel.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
