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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 · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 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 | HDFC Infinia Credit CardMastercard · HDFC Bank | IndusInd Bank Legend Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹12,500 | ₹3,000 |
Joining fee | ₹0Best | ₹12,500 | ₹3,000 |
Reward rate | 2X rewards on UPI | 5 reward points per ₹150Best | 3 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Mastercard | Visa |
Best for | rewards, upi, lifetime-free | premium, lounge-access, travel | rewards, premium |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
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