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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. 2X edge miles on ₹20K monthly — Best for miles · rewards.
Annual fee
Lifetime free
Visa · ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
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
2X edge miles on ₹20K monthly
Welcome Benefit
—
ICICI Bank
Annual Fee
Lifetime Free
Reward Rate
1 payback point 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 Select Credit CardVisa · Axis Bank | ICICI Platinum Credit CardVisa · ICICI Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | ICICI Bank |
Card | |||
Annual fee | ₹3,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹3,000 | ₹0 | ₹0 |
Reward rate | 5X on top merchants; 2X on others | 2X edge miles on ₹20K monthly | 1 payback point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | rewards, premium | miles, rewards | lifetime-free, beginners |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
Lifetime free. 2X edge miles on ₹20K monthly — Best for miles · rewards.
ICICI Bank
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
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