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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 · DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
Annual fee
₹500
Mastercard · HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
Annual fee
₹12,500
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
DBS Bank India
Annual Fee
₹500
Reward Rate
10% cashback on online
Welcome Benefit
—
HDFC Bank
Annual Fee
₹12,500
Reward Rate
5 reward points per ₹150
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 | DBS Shop Easy Credit CardMastercard · DBS Bank India | HDFC Infinia Credit CardMastercard · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | DBS Bank India | HDFC Bank |
Card | |||
Annual fee | ₹3,000 | ₹500Best | ₹12,500 |
Joining fee | ₹3,000 | ₹500Best | ₹12,500 |
Reward rate | 5X on top merchants; 2X on others | 10% cashback on online | 5 reward points per ₹150Best |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Mastercard |
Best for | rewards, premium | online-shopping, cashback | premium, lounge-access, travel |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
DBS Bank India
10% cashback on online — Best for online-shopping · cashback.
HDFC Bank
5 reward points per ₹150 — Best for premium · lounge-access · travel.
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