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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 · 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
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
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 RuPay Credit CardRuPay · AU Small Finance Bank | Axis Flipkart Credit CardVisa · Axis Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | IDFC FIRST Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹1,000 |
Joining fee | ₹0Best | ₹500 | ₹1,000 |
Reward rate | 2X rewards on UPI | 5% on Flipkart/Myntra; 1.5% on othersBest | 3X on online; 2X offline |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | flipkart, online-shopping | online-shopping, 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.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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