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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Annual fee
Lifetime free
RuPay · AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Welcome Benefit
—
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 | AU Aldiyar Credit CardVisa · AU Small Finance Bank | AU RuPay Credit CardRuPay · AU Small Finance Bank | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | AU Small Finance Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹3,000 |
Joining fee | ₹0 | ₹0 | ₹3,000 |
Reward rate | 2X rewards on fuel & travel | 2X rewards on UPI | 4X rewards on selected spendsBest |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | RuPay | Visa |
Best for | fuel, travel, lifetime-free | rewards, upi, lifetime-free | rewards, premium |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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