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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
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual fee
₹30,000
Visa · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
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 Credit CardVisa · Axis Bank | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime Free | ₹30,000 | Lifetime Free |
Joining fee | ₹0 | ₹30,000 | ₹0 |
Reward rate | 2X rewards on UPI | 12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)Best | 3X on top categories; 1X others |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | — | lifetime-free, rewards, lounge-access |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
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