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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
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
Annual fee
₹12,500
Mastercard · ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹12,500
Reward Rate
12000 bonus points on ₹1L monthly; 5X on travel
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining & lifestyle
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 Magnus Credit CardVisa · Axis Bank | ICICI Bank Femina Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime Free | ₹12,500 | Lifetime Free |
Joining fee | ₹0 | ₹12,500 | ₹0 |
Reward rate | 2X rewards on UPI | 12000 bonus points on ₹1L monthly; 5X on travelBest | 2X rewards on dining & lifestyle |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi, lifetime-free | premium, travel, lounge-access | dining, lifestyle |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
12000 bonus points on ₹1L monthly; 5X on travel — Best for premium · travel · lounge-access.
ICICI Bank
Lifetime free. 2X rewards on dining & lifestyle — Best for dining · lifestyle.
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