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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 · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
Visa · Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
Annual fee
₹10,000
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL fuel
Welcome Benefit
—
Yes Bank
Annual Fee
₹10,000
Reward Rate
15 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 White Reserve Credit CardVisa · Kotak Mahindra Bank | SBI BPCL Credit CardVisa · SBI Card | Yes Bank YES First Exclusive Credit CardVisa · Yes Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | SBI Card | Yes Bank |
Card | |||
Annual fee | ₹3,000 | ₹1,499Best | ₹10,000 |
Joining fee | ₹3,000 | ₹1,499Best | ₹10,000 |
Reward rate | 4X rewards on selected spends | 5X reward points on BPCL fuel | 15 reward points per ₹200Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | fuel | premium, rewards |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
Yes Bank
15 reward points per ₹200 — Best for premium · rewards.
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