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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
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Annual fee
₹250
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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
₹250
Reward Rate
4 EDGE Reward Points per Rs 200 (effective 0.4%)
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 Bank Pride Platinum Credit CardVisa · Axis Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | ₹250 | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 4 EDGE Reward Points per Rs 200 (effective 0.4%)Best | 3X on top categories; 1X others |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | — | lifetime-free, rewards, lounge-access |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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