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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
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
Annual fee
₹1,500
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
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
Welcome Benefit
—
Standard Chartered
Annual Fee
₹1,500
Reward Rate
5% cashback on subscriptions & utilities
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 Bank MoneyBack Plus Credit CardVisa · HDFC Bank | Standard Chartered DigiSmart Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | Standard Chartered |
Card | |||
Annual fee | ₹2,000 | ₹500Best | ₹1,500 |
Joining fee | ₹0Best | ₹500 | ₹1,500 |
Reward rate | Up to 5 Reward Points per ₹100 on shopping, dining & travelBest | 10X cashback on partner spends; 2X on PayZapp | 5% cashback on subscriptions & utilities |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | online-shopping, cashback | bill-payments |
Apply |
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Standard Chartered
5% cashback on subscriptions & utilities — Best for bill-payments.
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