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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
American Express · ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
Annual fee
₹20,000
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
ICICI Bank
Annual Fee
₹20,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 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 | ICICI Bank Bvlgari Credit CardAmerican Express · ICICI Bank | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | ICICI Bank |
Card | |||
Annual fee | Lifetime FreeBest | ₹20,000 | ₹6,500 |
Joining fee | ₹0Best | ₹20,000 | ₹6,500 |
Reward rate | 2X rewards on UPI | 3 reward points per ₹100 | 4 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | YesBest | No | No |
Network | RuPay | American Express | American Express |
Best for | rewards, upi, lifetime-free | premium, luxury | premium, travel, rewards |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
ICICI Bank
3 reward points per ₹100 — Best for premium · luxury.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
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