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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 · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
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 | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | Flipkart SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | IDFC FIRST Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹1,000 | ₹10,000 | ₹500Best |
Joining fee | ₹1,000 | ₹10,000 | ₹500Best |
Reward rate | 3X on online; 2X offline | 5 reward points per ₹100Best | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends |
Welcome benefit | — | — | Welcome cashback worth ₹500 on first transaction |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | online-shopping, rewards | premium, rewards | flipkart, online-shopping, cashback |
Apply |
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
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