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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Mastercard · RBL Bank
5X on dining & fuel — Best for dining · fuel.
Annual fee
₹1,000
IndusInd Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
RBL Bank
Annual Fee
₹1,000
Reward Rate
5X on dining & 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 | IndusInd Bank iconNIQ Credit CardVisa · IndusInd Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank | RBL Bank Edge Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | IndusInd Bank | Kotak Mahindra Bank | RBL Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹1,000 |
Joining fee | ₹0 | ₹0 | ₹1,000 |
Reward rate | 1 reward point per ₹100Best | 2X rewards on UPI spends | 5X on dining & fuel |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, rewards | rewards, upi, lifetime-free | dining, fuel |
Apply |
IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
RBL Bank
5X on dining & fuel — Best for dining · fuel.
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