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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
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
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected 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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹3,000 |
Joining fee | ₹0Best | ₹500 | ₹3,000 |
Reward rate | 2X rewards on UPI | 10% cashback on SwiggyBest | 4X rewards on selected spends |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | food-delivery, cashback | rewards, premium |
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.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
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