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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 · Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
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
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 cashback points per ₹150 (1 point = ₹0.25)
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 | Federal Bank Celebration Credit CardVisa · Federal Bank | HDFC Bank MoneyBack Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Federal Bank | HDFC 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 spends | 1 reward point per ₹100 | 2 cashback points per ₹150 (1 point = ₹0.25)Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | — | lifetime-free, rewards | cashback, fuel |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Federal Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
HDFC Bank
2 cashback points per ₹150 (1 point = ₹0.25) — Best for cashback · fuel.
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