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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 · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹12,000
Visa · IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹12,000
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
IndusInd 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 | ICICI Emeralde Credit CardMastercard · ICICI Bank | IndusInd Bank iconNIQ Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime Free | ₹12,000 | Lifetime Free |
Joining fee | ₹0 | ₹12,000 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 4 reward points per ₹100Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | Visa | Mastercard | Visa |
Best for | lifetime-free, rewards | premium, travel, rewards | lifetime-free, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
IndusInd Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
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