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
Visa · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
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
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL 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 | IDFC FIRST Classic Credit CardVisa · IDFC FIRST Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹10,000 | ₹1,499 |
Joining fee | ₹0Best | ₹10,000 | ₹1,499 |
Reward rate | 3X reward points on all spends | 5 reward points per ₹100Best | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards, beginners | premium, rewards | fuel |
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.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
