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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
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
Lifetime Free
Reward Rate
5% cashback on Google Pay
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 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 Neo Credit CardVisa · Axis Bank | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹10,000 |
Joining fee | ₹3,000 | ₹0Best | ₹10,000 |
Reward rate | 5X on top merchants; 2X on others | 5% cashback on Google Pay | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | bill-payments, cashback | premium, rewards |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
Lifetime free. 5% cashback on Google Pay — Best for bill-payments · cashback.
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
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