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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 · Jupiter (Federal Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Jupiter (Federal Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 | Jupiter Edge Credit CardVisa · Jupiter (Federal Bank) | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Jupiter (Federal Bank) | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹499 | Lifetime FreeBest | ₹3,000 |
Joining fee | ₹90 | ₹0Best | ₹3,000 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 2X rewards on online spends | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | — | online-shopping, lifetime-free | rewards, premium |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Jupiter (Federal Bank)
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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