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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
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
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 | Axis Swiggy Credit CardVisa · Axis Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹10,000 |
Joining fee | ₹0Best | ₹500 | ₹10,000 |
Reward rate | 2X rewards on fuel & travel | 10% cashback on Swiggy | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | fuel, travel, lifetime-free | food-delivery, cashback | premium, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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