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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
Visa · Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Annual fee
₹30,000
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹30,000
Reward Rate
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 Bank Burgundy Credit CardVisa · Axis Bank | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Standard Chartered |
Card | |||
Annual fee | ₹3,000Best | ₹30,000 | ₹5,000 |
Joining fee | ₹3,000Best | ₹30,000 | ₹5,000 |
Reward rate | 5X on top merchants; 2X on others | 12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 points per Rs 200 above Rs 1.5 lakh; enhanced ratio for Burgundy customers (4 partner points per 5 EDGE = 5:4 ratio)Best | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | — | travel, dining, lounge-access |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
12 EDGE Reward Points per Rs 200 on monthly spends up to Rs 1.5 lakh; 35 poin… — Best for .
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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