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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 · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
Mastercard · RBL Bank
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Welcome Benefit
—
RBL Bank
Annual Fee
₹500
Reward Rate
2X reward points 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 | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | OneCard Metal Credit CardVisa · OneCard | RBL Bank Platinum Plus Credit CardMastercard · RBL Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | OneCard | RBL Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹500 |
Joining fee | ₹0 | ₹0 | ₹500 |
Reward rate | 1 reward point per ₹100 | 5X rewards on top spending categories | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Mastercard |
Best for | lifetime-free, beginners | lifetime-free, app-driven, rewards | rewards |
Apply |
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
RBL Bank
2X reward points per ₹100 — Best for rewards.
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