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
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · Jupiter (Federal Bank)
5X rewards on top categories — Best for rewards · premium.
Annual fee
₹1,000
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
₹1,000
Reward Rate
3X on online; 2X offline
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
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 Millennia Credit CardVisa · IDFC FIRST Bank | Jupiter Prime Credit CardVisa · Jupiter (Federal Bank) | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Jupiter (Federal Bank) | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹1,000 | ₹1,000 | Lifetime FreeBest |
Joining fee | ₹1,000 | ₹1,000 | ₹0Best |
Reward rate | 3X on online; 2X offline | 5X rewards on top categories | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | online-shopping, rewards | rewards, premium | lifetime-free, beginners |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Jupiter (Federal Bank)
5X rewards on top categories — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
