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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
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
Annual fee
₹750
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
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 | IndiGo SBI CardVisa · SBI Card | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | Kotak Mahindra Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹750 |
Joining fee | ₹3,000 | ₹0Best | ₹750 |
Reward rate | 4X rewards on selected spends | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 5% cashback on fuel |
Welcome benefit | — | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | rewards, premium | airlines, travel | fuel |
Apply |
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
Standard Chartered
5% cashback on fuel — Best for fuel.
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