SBI SimplyCLICK Credit Card vs HDFC Bank INFINIA Metal Credit Card vs Flipkart Axis Bank Credit Card vs Myntra Kotak Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
SBI SimplyCLICK Credit Card
HDFC Bank INFINIA Metal Credit Card
Flipkart Axis Bank Credit Card
Myntra Kotak Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Excellent accelerated reward program for online shopping, with up to 10X points on partner brands.
Affordable annual fee of ₹499, easily waived by spending ₹1 lakh annually, making it cost-effective.
Welcome Amazon gift card worth ₹500 effectively offsets the first year's annual fee immediately.
Valuable milestone e-vouchers from Cleartrip/Yatra on achieving specific annual spending goals.
Pros
Key benefits and features.
Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.
Enjoy unlimited complimentary golf games and coaching at premier courses across the world.
Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.
Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.
Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.
Pros
Key benefits and features.
Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.
Cashback is directly credited to your statement, simplifying the redemption process.
Enjoy unlimited cashback on preferred partners and most other eligible card spends.
Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.
Provides a beneficial 1% fuel surcharge waiver at all stations across India.
Pros
Key benefits and features.
Get instant 7.5% discount on Myntra purchases & 5% cashback at popular partner brands.
Enjoy unlimited 1.25% cashback on all other online and offline expenditures.
Receive a complimentary Myntra Insider membership for early sales access & other perks.
Benefit from 1 complimentary domestic airport lounge access per quarter.
Earn 2 PVR movie tickets (worth Rs. 250 each) on quarterly spends over Rs. 50,000.
Cons
Key drawbacks and limitations.
Lacks complimentary domestic or international airport lounge access, limiting benefits for travelers.
Does not provide explicit insurance benefits, which is a common feature in many other cards.
Reward redemption options are somewhat limited, potentially reducing flexibility for cardholders.
Cons
Key drawbacks and limitations.
The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.
Significant joining and renewal fees, though a waiver is possible with very high annual spending.
Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.
Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.
Cons
Key drawbacks and limitations.
Offers relatively low 1% cashback on most offline shopping and general spends.
The card currently does not provide any complimentary insurance benefits to cardholders.
High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.
Welcome benefits for new cardholders have seen a reduction from previous offers.
Reports suggest some users face challenges with voucher redemption and card cancellations.
Cons
Key drawbacks and limitations.
Card has been discontinued as of July 10, 2025; new applications are no longer accepted.
Kotak Bank is not issuing any new credit cards due to current RBI guidelines.
Cashback is not applicable on wallet reloads, rent, and fuel expenditures.
UPI transactions only accrue 1.25% cashback on spends of Rs. 2,000 or more.
A high foreign currency markup of 3.5% applies to international transactions.