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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
Mastercard · DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · IndusInd Bank
1 reward point per ₹100 — Best for fuel · 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
—
DBS Bank India
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹500
Reward Rate
1 reward point 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 Altura+ Credit CardVisa · AU Small Finance Bank | DBS Live Fresh Credit CardMastercard · DBS Bank India | IndusInd Bank Celeste Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | DBS Bank India | IndusInd Bank |
Card | |||
Annual fee | ₹499 | Lifetime FreeBest | ₹500 |
Joining fee | ₹90 | ₹0Best | ₹500 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 5X on online & 2X offline | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | — | online-shopping, lifetime-free | fuel, rewards |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
DBS Bank India
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
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