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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 · Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Canara Bank
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points for every ₹100 spent on PoS and e-commerce transactions
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
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 | Canara Bank Visa Signature Credit CardVisa · Canara Bank | Kotak RuPay Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Canara Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 2 Reward Points for every ₹100 spent on PoS and e-commerce transactionsBest | 2X rewards on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | — | rewards, upi, lifetime-free |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Canara Bank
Lifetime free. 2 Reward Points for every ₹100 spent on PoS and e-commerce transactions — Best for .
Kotak Mahindra Bank
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
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