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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
10% cashback on Swiggy — Best for food-delivery · cashback.
Annual fee
₹500
Visa · HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
Annual fee
₹0
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
10% cashback on Swiggy
Welcome Benefit
—
HDFC Bank
Annual Fee
₹0
Reward Rate
10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spends
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 Swiggy Credit CardVisa · Axis Bank | HDFC Bank Freedom Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | HDFC Bank |
Card | |||
Annual fee | Lifetime Free | ₹500 | ₹0 |
Joining fee | ₹0Best | ₹500 | ₹1,000 |
Reward rate | 2X rewards on UPI | 10% cashback on Swiggy | 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; 2 Reward Points per ₹200 on other spendsBest |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | food-delivery, cashback | — |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Axis Bank
10% cashback on Swiggy — Best for food-delivery · cashback.
HDFC Bank
Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; … — Best for .
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