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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
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Mastercard · Axis Bank
2X rewards on dining — Best for dining.
Annual fee
₹750
Mastercard · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹750
Reward Rate
2X rewards on dining
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 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 Zenith Credit CardVisa · AU Small Finance Bank | Axis Aura Credit CardMastercard · Axis Bank | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | ICICI Bank |
Card | |||
Annual fee | ₹3,000 | ₹750Best | ₹3,000 |
Joining fee | ₹3,000 | ₹750Best | ₹3,000 |
Reward rate | 5X on top merchants; 2X on others | 2X rewards on dining | 2 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | rewards, premium | dining | rewards, lifestyle |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
2X rewards on dining — Best for dining.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
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