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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 · DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
Annual fee
₹500
Visa · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
DBS Bank India
Annual Fee
₹500
Reward Rate
10% cashback on online
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point 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 | DBS Shop Easy Credit CardMastercard · DBS Bank India | HDFC Bank IRIS Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | DBS Bank India | HDFC Bank |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 10% cashback on online | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | online-shopping, cashback | fuel, bill-payments |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
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