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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
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · Punjab National Bank
10X rewards on international travel — Best for travel.
Annual fee
₹2,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
Punjab National Bank
Annual Fee
₹2,000
Reward Rate
10X rewards on international travel
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 Reserve Credit CardMastercard · Axis Bank | Punjab National Bank Global Credit CardVisa · Punjab National Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Punjab National Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹50,000 | ₹2,000 |
Joining fee | ₹0Best | ₹50,000 | ₹2,000 |
Reward rate | 5X on top merchants; 2X on othersBest | 15X reward points on all spends | 10X rewards on international travel |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | premium, super-premium | travel |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Punjab National Bank
10X rewards on international travel — Best for travel.
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