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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 · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · IndusInd Bank
5 reward points per ₹100 — Best for premium.
Annual fee
₹12,500
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹12,500
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 Altura+ Credit CardVisa · AU Small Finance Bank | HDFC Bank MoneyBack Plus Credit CardVisa · HDFC Bank | IndusInd Bank Pinnacle Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | IndusInd Bank |
Card | |||
Annual fee | ₹499Best | ₹500 | ₹12,500 |
Joining fee | ₹90Best | ₹500 | ₹12,500 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 10X cashback on partner spends; 2X on PayZapp | 5 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | online-shopping, cashback | premium |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
IndusInd Bank
5 reward points per ₹100 — Best for premium.
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