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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 · Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
Annual fee
Lifetime free
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
—
Yes Bank
Annual Fee
Lifetime Free
Reward Rate
2X reward points on all spends
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 | Yes Bank YES Prosperity Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | RBL Bank | Yes Bank |
Card | |||
Annual fee | ₹3,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹3,000 | ₹0 | ₹0 |
Reward rate | 4X rewards on selected spendsBest | 2X reward points on online | 2X reward points on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | online-shopping, lifetime-free | rewards, lifetime-free |
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.
Yes Bank
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
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