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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 · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Mastercard · Standard Chartered
5% cashback on fuel — Best for fuel.
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
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
Standard Chartered
Annual Fee
₹750
Reward Rate
5% cashback on fuel
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | Standard Chartered Titanium Credit CardMastercard · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Niyo (DCB Bank) | Standard Chartered |
Card | |||
Annual fee | ₹499 | Lifetime FreeBest | ₹750 |
Joining fee | ₹90 | ₹0Best | ₹750 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 2X rewards on forex spends | 5% cashback on fuel |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | — | travel, lifetime-free | fuel |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Standard Chartered
5% cashback on fuel — Best for fuel.
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