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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
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Annual fee
Lifetime free
Visa · HSBC India
2X reward points per ₹100 — Best for rewards.
Annual fee
₹500
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
2X edge miles on ₹20K monthly
Welcome Benefit
—
HSBC India
Annual Fee
₹500
Reward Rate
2X reward points per ₹100
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 Select Credit CardVisa · Axis Bank | HSBC Smart Value Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | HSBC India |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹500 |
Joining fee | ₹0 | ₹0 | ₹500 |
Reward rate | 2X rewards on UPI | 2X edge miles on ₹20K monthly | 2X reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | miles, rewards | rewards |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
HSBC India
2X reward points per ₹100 — Best for rewards.
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