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Axis Bank SELECT Credit Card Apply Now	SBI ELITE Credit Card Apply Now	Kotak Privy League Signature Credit Card Apply Now	HDFC Bank Regalia Credit Card Apply Now	HDFC Bank Diners Club Black Credit Card Apply Now
Joining Fee Rs. 3,000 + GST	Joining Fee Rs. 4,999 + GST	Joining Fee Nil (For Both Variants)	Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 10,000 + GST
Rewards and Benefits
Welcome Benefits Get 10,000 EDGE REWARD POINTS on your first transaction of Rs. 2000	Welcome Benefits E-vouchers worth Rs. 5,000 from any one of the brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.	Welcome Benefits N/A	Welcome Benefits 2,500 bonus Reward points	Welcome Benefits Get complimentary annual membership of Forbes, Club Marriott, Times Prime, MMT Black, Amazon Prime, and Swiggy One (3 Months) on spending Rs. 1,50,000 or more in the first 90 days of card issuance
Rewards Rate Earn 20 EDGE Points per Rs. 200 you spend with the card up to cumulative spends of Rs. 20,000 per month and earn 10 EDGE points per Rs. 200 spent after that.	Rewards Rate 2 Reward Points on every Rs. 100 you spend on retail purchases, 5X Reward Points on dining spends, departmental stores, and grocery purchases (reward rate of 2.5%)	Rewards Rate 5x Reward Points on select retail shopping and travel spends, 2x Reward Points on all other spends and traveler's plan.	Rewards Rate 4 reward points every time one spends Rs. 150.	Rewards Rate 5 Reward Points on every spend of Rs. 150. 10x Reward Points on SmartBuy and 2x Reward Points on weekend dining
Movie & Dining Buy 1 movie ticket and get up to Rs. 300 off on a second ticket on BookMyShow; get flat Rs. 200 off on Swiggy orders.	Movie & Dining Get free movie tickets every month (max benefit capped at Rs. 6,000 per year and Rs. 250 per ticket, offer valid for at least 2 tickets per booking per month), dining offers with up to 25% discount at partner restaurants (with American Express variant only)	Movie & Dining NA	Movie & Dining Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.	Movie & Dining 2X Reward Points on weekend dining
Reward Redemption EDGE Points earned redeemable on the EDGE Rewards portal for travel/shopping vouchers and product purchases (from the given catalog). 1 EDGE Point = Rs. 0.20.	Reward Redemption Reward Points are redeemable against gift vouchers on sbicard.com or SBI mobile app or for paying the outstanding balance of the card, 1 Reward Point = Rs. 0.25	Reward Redemption Reward Points redeemable on Kotak reward redemption portal.	Reward Redemption 1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.	Reward Redemption HDFC Bank Diners Club Black Reward Points are redeemable for flight/hotel bookings (1 RP = Re. 1) on SmartBuy, for AirMiles (1 RP = 1 AirMile), on Diners Club exclusive rewards redemption catalog (1 RP = Re. 0.5) and for cashbacks (1RP = Rs. 0.30).
Travel N/A	Travel Complimentary CV (Club Vistara) Membership, complimentary Trident Privilege Red Tier membership, and free domestic and international airport lounge access.	Travel Complimentary domestic lounge access, Priority Pass membership, 4 complimentary lounge visits / year visits with Priority Pass (paid variant only)	Travel Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.	Travel Complimentary lounge access at 1,000+ airports in India and abroad, Reward Points redeemable for flight and hotel bookings on SmartBuy (1RP = Re. 1).
Golf 6 complimentary golf rounds every year. 3 additional golf rounds on minimum annual spends of Rs. 3 lakh with the Select Credit Card.	Golf 4 complimentary rounds of green fees and up to 50% off on golf games along with 1 free lesson per month at selected golf courses across the country (you get it only with the MasterCard variant of the card)	Golf	Golf N/A	Golf 6 complimentary golf games per quarter at some of the most premium golf destinations around the world.
Domestic Lounge 8 complimentary domestic lounge visits every year (max 2 per quarter).	Domestic Lounge 2 complimentary visits to domestic airport lounges every quarter	Domestic Lounge 2 Complimentary visits to the Dream Folks Lounges in India	Domestic Lounge 8 free airport lounge access per year within India.	Domestic Lounge Unlimited complimentary access to the domestic lounges
International Lounge Up to 12 complimentary international lounge visits every year with Priority Pass membership	International Lounge 6 complimentary visits to international airport lounges per year (max 2 per quarter) with the Priority Pass program.	International Lounge Complimentary Priority Pass membership (with both variants), 4 complimentary lounge visits every year visits with Priority Pass (paid variant only)	International Lounge 6 airport lounge access every year outside India through the Priority Pass.	International Lounge Unlimited complimentary access to the international lounges
Insurance Benefits Insurance cover against lost/delayed baggage, purchase protection, and loss of travel documents.	Insurance Benefits Zero liability protection against lost card worth Rs. 1 lakh applicable from 48 hours prior to 7 days post reporting the loss of card to the bank.	Insurance Benefits NA	Insurance Benefits Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.	Insurance Benefits Travel-related insurance benefits including an air accident cover worth Rs. 2 crores, emergency overseas hospitalization cover worth Rs. 50 Lakhs, and a credit liability cover worth up to Rs. 9 lakh.
Zero Liability Protection Cardholder shall not be liable for any fraudulent transactions if the lost card has been reported to the bank in a timely manner.	Zero Liability Protection Get an insurance cover worth Rs. 1 lakh that is applicable from 48 hours prior to 7 days post reporting the loss of card	Zero Liability Protection Zero liability against fraudulent transactions if loss or theft is reported to the bank within the specified time frame.	Zero Liability Protection You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.	Zero Liability Protection Zero liability protection worth Rs. 9 lakh against a lost/stolen card.
Fees & Charges

Renewal Fee Rs. 3,000 + GST	Renewal Fee Rs. 4,999 + GST	Renewal Fee Rs. 2,500 + GST (for the Paid Variant), Nil (for Free Variant)	Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 10,000 + GST
Spend Based Waiver Renewal fee waived off on spending Rs. 6 lakh in a year	Spend Based Waiver Renewal fee of Rs. 4,999 is waived on annual spends of Rs. 10 lakh or more in the preceding year	Spend Based Waiver The annual membership fee will be waived off if the cardholder spends Rs. 5 lakh in the preceding year or by maintaining Insignia or True Optima Banking Relationship	Spend Based Waiver Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.	Spend Based Waiver Waiver of renewal fee on spending Rs. 5,00,000 in the previous year.
Rewards Redemption Fee Nil	Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request	Rewards Redemption Fee Nil	Rewards Redemption Fee Rs 99 (plus applicable taxes)	Rewards Redemption Fee Nil
Foreign Currency Markup 3.5% of the transaction amount	Foreign Currency Markup 1.99% of the transaction amount	Foreign Currency Markup 2% for paid variant and 3.5% for the free variant (exclusive of GST)	Foreign Currency Markup 2% on all foreign currency transactions.	Foreign Currency Markup 1.99% (plus applicable taxes)
Interest Rates 3.6% per month (52.86% annually)	Interest Rates 3.50% per month (42% per annum)	Interest Rates 2.49% per month (29.88% annually)	Interest Rates 3.6% per month or 43.2% annually	Interest Rates 1.99% per month (or 23.88% annually)
Fuel Surcharge 1% fuel surcharge waived off for transactions between Rs. 400 & Rs. 4,000 at all filling stations across India.	Fuel Surcharge 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at all fuel stations across India (max waiver capped at Rs. 250 per month)	Fuel Surcharge Waived	Fuel Surcharge 1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.	Fuel Surcharge 1% fuel surcharge waived (max waiver capped at Rs. 1,000/month and min transaction of Rs. 400 required).
Cash Advance Charges 2.5% of the amount withdrawn at a minimum of Rs. 500	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum charge of Rs 500	Cash Advance Charges Rs. 300 per Rs. 10,000 withdrawn or part thereof	Cash Advance Charges 2.5% of the transaction amount or Rs. 500 (whichever is higher)	Cash Advance Charges Higher of 2.5% of the amount withdrawn or Rs. 500.
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil

Axis Bank SELECT Credit Card

SBI ELITE Credit Card

Kotak Privy League Signature Credit Card

HDFC Bank Regalia Credit Card

HDFC Bank Diners Club Black Credit Card

Rewards and Benefits

Fees & Charges

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