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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 · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 | ICICI Bank Femina Credit CardMastercard · ICICI Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | Standard Chartered |
Card | |||
Annual fee | ₹499 | Lifetime FreeBest | ₹5,000 |
Joining fee | ₹90 | ₹0Best | ₹5,000 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 2X rewards on dining & lifestyle | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Mastercard | Visa |
Best for | — | dining, lifestyle | travel, dining, lounge-access |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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