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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
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual fee
₹500
Visa · Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
Welcome Benefit
—
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
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 Flipkart Credit CardVisa · Axis Bank | Axis Select Credit CardVisa · Axis Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Axis Bank |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 2X rewards on UPI | 5% on Flipkart/Myntra; 1.5% on others | 2X edge miles on ₹20K monthlyBest |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | flipkart, online-shopping | miles, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
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