We use analytics cookies to understand how visitors interact with our site. By continuing you agree to our use of cookies as described in our Privacy Policy.
3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
HSBC India
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
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 LifeTime Free Credit CardVisa · AU Small Finance Bank | Axis Neo Credit CardVisa · Axis Bank | HSBC Visa Platinum Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | HSBC India |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 5% cashback on Google Pay | 2X rewards per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | bill-payments, cashback | lifetime-free, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
HSBC India
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Related Guides
In-depth guides on rewards, lounge access, forex and more.
Related Comparisons
Compare any two cards side-by-side across 140+ issuers.
