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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
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Visa · Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
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 Altura+ Credit CardVisa · AU Small Finance Bank | Axis Swiggy Credit CardVisa · Axis Bank | ICICI Coral Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | ICICI Bank |
Card | |||
Annual fee | ₹499Best | ₹500 | ₹500 |
Joining fee | ₹90Best | ₹500 | ₹500 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 10% cashback on Swiggy | 2 Payback points per ₹100 on dining |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | — | food-delivery, cashback | dining, rewards |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
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