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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. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
Visa · Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹5,000
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on others
Welcome Benefit
—
Yes Bank
Annual Fee
₹5,000
Reward Rate
12 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 RuPay Credit CardVisa · Kotak Mahindra Bank | SBI SimplyCLICK Credit CardVisa · SBI Card | Yes Bank YES First Preferred Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | SBI Card | Yes Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹499 | ₹5,000 |
Joining fee | ₹0Best | ₹499 | ₹5,000 |
Reward rate | 2X rewards on UPI spends | 10X rewards on partner online brands; 1X on others | 12 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, upi, lifetime-free | online-shopping, rewards | premium, rewards |
Apply |
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Yes Bank
12 reward points per ₹200 — Best for premium · rewards.
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