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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 · Canara Bank
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
Visa · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Canara Bank
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
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 | Canara Bank Select Credit CardVisa · Canara Bank | Niyo Global Credit CardVisa · Niyo (DCB Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Canara Bank | Niyo (DCB Bank) |
Card | |||
Annual fee | ₹3,000 | ₹1,500 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹1,500 | ₹0Best |
Reward rate | 5X on top merchants; 2X on others | 4 reward points per ₹100Best | 2X rewards on forex spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards, premium | rewards, premium | travel, lifetime-free |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Canara Bank
4 reward points per ₹100 — Best for rewards · premium.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
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