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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
4 reward points per ₹150 — Best for travel · lounge-access · premium.
Annual fee
₹2,500
Mastercard · IndusInd Bank
5X rewards on dining — Best for dining.
Annual fee
₹750
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HDFC Bank
Annual Fee
₹2,500
Reward Rate
4 reward points per ₹150
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹750
Reward Rate
5X rewards on dining
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 Regalia Gold Credit CardMastercard · HDFC Bank | IndusInd Bank EazyDiner Credit CardMastercard · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | IndusInd Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹2,500 | ₹750 |
Joining fee | ₹0Best | ₹2,500 | ₹750 |
Reward rate | 2X rewards on UPI | 4 reward points per ₹150Best | 5X rewards on dining |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | Mastercard | Mastercard |
Best for | rewards, upi, lifetime-free | travel, lounge-access, premium | dining |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
HDFC Bank
4 reward points per ₹150 — Best for travel · lounge-access · premium.
IndusInd Bank
5X rewards on dining — Best for dining.
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