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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 · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹499 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹90 | ₹5,000 | ₹0Best |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 10X reward points on all spends | 2X rewards on online spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Mastercard |
Best for | — | rewards, premium | online-shopping, lifetime-free |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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