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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 · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Visa · Standard Chartered
5% cashback on utilities — Best for bill-payments.
Annual fee
₹750
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on utilities
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 | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | Standard Chartered Super ValueTitanium Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Kotak Mahindra Bank | Standard Chartered |
Card | |||
Annual fee | ₹499Best | ₹10,000 | ₹750 |
Joining fee | ₹90Best | ₹10,000 | ₹750 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 5 reward points per ₹100 | 5% cashback on utilities |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | premium, rewards | bill-payments |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Standard Chartered
5% cashback on utilities — Best for bill-payments.
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