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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
Annual fee
₹50,000
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 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 RuPay Credit CardRuPay · AU Small Finance Bank | Axis Bank Burgundy Private Credit Card (The One Card)Visa · Axis Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹50,000 | ₹6,500 |
Joining fee | ₹0Best | ₹50,000 | ₹6,500 |
Reward rate | 2X rewards on UPI | 15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption)Best | 4 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | American Express |
Best for | rewards, upi, lifetime-free | — | premium, travel, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
15 EDGE Reward Points per Rs 200 (effective 6% back via 5:4 redemption) — Best for .
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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