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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Kotak Mahindra Bank | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹3,000 | Lifetime Free |
Joining fee | ₹0 | ₹3,000 | ₹0 |
Reward rate | 1 reward point per ₹100Best | 4X rewards on selected spends | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, beginners | rewards, premium | upi, cashback, lifetime-free |
Apply |
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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