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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
Visa · AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Annual fee
₹2,000
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
RuPay · HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
Annual fee
₹500
AU Small Finance Bank
Annual Fee
₹2,000
Reward Rate
Up to 5 Reward Points per ₹100 on shopping, dining & travel
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2X reward points on UPI spends
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 Vetta Credit CardVisa · AU Small Finance Bank | HDFC Infinia Credit CardMastercard · HDFC Bank | HDFC Bank RuPay Credit CardRuPay · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹2,000 | ₹12,500 | ₹500Best |
Joining fee | ₹0Best | ₹12,500 | ₹500 |
Reward rate | Up to 5 Reward Points per ₹100 on shopping, dining & travel | 5 reward points per ₹150Best | 2X reward points on UPI spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | RuPay |
Best for | — | premium, lounge-access, travel | rewards, upi |
Apply |
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
HDFC Bank
2X reward points on UPI spends — Best for rewards · upi.
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