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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
Mastercard · RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
RBL Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 | RBL Bank ShopRite Credit CardMastercard · RBL Bank | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | RBL Bank | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹750 |
Joining fee | ₹3,000 | ₹0Best | ₹750 |
Reward rate | 4X rewards on selected spends | 2X reward points on online | 5% cashback on utilitiesBest |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | online-shopping, lifetime-free | bill-payments |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
RBL Bank
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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