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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
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Annual fee
₹250
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹250
Reward Rate
4 EDGE Reward Points per Rs 200 (effective 0.4%)
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 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 Pride Platinum Credit CardVisa · Axis Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Standard Chartered |
Card | |||
Annual fee | Lifetime FreeBest | ₹250 | ₹5,000 |
Joining fee | ₹0 | ₹0 | ₹5,000 |
Reward rate | 2X rewards on UPI | 4 EDGE Reward Points per Rs 200 (effective 0.4%)Best | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | — | travel, dining, lounge-access |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
4 EDGE Reward Points per Rs 200 (effective 0.4%) — Best for .
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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