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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
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
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 | HDFC Bank RuPay Credit CardRuPay · HDFC Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹1,000 |
Joining fee | ₹0Best | ₹500 | ₹1,000 |
Reward rate | 5X on top merchants; 2X on othersBest | 2X reward points on UPI spends | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | Visa | RuPay | Visa |
Best for | lifetime-free, rewards | rewards, upi | online-shopping, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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