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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Visa · Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual fee
Lifetime free
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
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 White Reserve Credit CardVisa · Kotak Mahindra Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | Standard Chartered Smart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹10,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹10,000 | ₹0Best |
Reward rate | 4X rewards on selected spends | 5 reward points per ₹100Best | 2X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards, premium | premium, rewards | dining, lifetime-free |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Standard Chartered
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
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