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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 · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
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
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points 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 | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | DBS Bank India | HSBC India |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹500 |
Joining fee | ₹0Best | ₹500 | ₹500 |
Reward rate | 5X on top merchants; 2X on others | 10% cashback on online | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | online-shopping, cashback | rewards |
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.
HSBC India
2X reward points per ₹100 — Best for rewards.
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