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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
Mastercard · Standard Chartered
5X on travel & dining — Best for travel · dining.
Annual fee
₹2,500
Visa · Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹2,500
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹2,500
Reward Rate
5X on travel & dining
Welcome Benefit
—
Yes Bank
Annual Fee
₹2,500
Reward Rate
8 reward points per ₹200
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 | Standard Chartered Journey Credit CardMastercard · Standard Chartered | Yes Bank YES Premia Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Standard Chartered | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,500 | ₹2,500 |
Joining fee | ₹0Best | ₹2,500 | ₹2,500 |
Reward rate | 1 reward point per ₹100 | 5X on travel & dining | 8 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, beginners | travel, dining | premium, rewards |
Apply |
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Standard Chartered
5X on travel & dining — Best for travel · dining.
Yes Bank
8 reward points per ₹200 — Best for premium · rewards.
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