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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
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
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
₹50,000
Reward Rate
15X reward points on all spends
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 Reserve Credit CardMastercard · 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 | ₹50,000 | ₹1,000 |
Joining fee | ₹0Best | ₹50,000 | ₹1,000 |
Reward rate | 2X rewards on UPI | 15X reward points on all spends | 3X on online; 2X offlineBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Mastercard | Visa |
Best for | rewards, upi, lifetime-free | premium, super-premium | online-shopping, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
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