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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
5 reward points per ₹150 — Best for online-shopping · lifestyle.
Annual fee
₹500
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 Shopper's Stop Credit CardVisa · HDFC Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | Uni (SBM Bank) |
Card | |||
Annual fee | Lifetime Free | ₹500 | Lifetime Free |
Joining fee | ₹0 | ₹500 | ₹0 |
Reward rate | 2X rewards on UPI | 5 reward points per ₹150Best | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | Yes | No | Yes |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | online-shopping, lifestyle | upi, cashback, lifetime-free |
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 online-shopping · lifestyle.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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