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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 · HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
Annual fee
Lifetime free
Mastercard · SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HDFC Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
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 Bank IRIS Credit CardVisa · HDFC Bank | SBI Card SignatureMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹4,999 |
Joining fee | ₹0 | ₹0 | ₹4,999 |
Reward rate | 2X rewards on UPI | 1 reward point per ₹100 | 3 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi, lifetime-free | fuel, bill-payments | rewards, premium |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HDFC Bank
Lifetime free. 1 reward point per ₹100 — Best for fuel · bill-payments.
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
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