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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 · Canara Bank
Lifetime free. 2 reward points per ₹100 — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Canara Bank
Annual Fee
Lifetime Free
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
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 | Canara Bank Maha Shakti Credit CardVisa · Canara Bank | OneCard RuPay Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Canara Bank | OneCard |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | Lifetime Free |
Joining fee | ₹0 | ₹0 | ₹0 |
Reward rate | 2X rewards on UPI | 2 reward points per ₹100Best | 5X rewards on top categories |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | lifetime-free, rewards | lifetime-free, app-driven, rewards, upi |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Canara Bank
Lifetime free. 2 reward points per ₹100 — Best for lifetime-free · rewards.
OneCard
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
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