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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
RuPay · Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
Annual fee
₹500
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Federal Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹500
Reward Rate
1 reward 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 | Federal Bank RuPay Credit CardRuPay · Federal Bank | IndusInd Bank Celeste Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Federal Bank | IndusInd Bank |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹500 |
Joining fee | ₹3,000 | ₹0Best | ₹500 |
Reward rate | 5X on top merchants; 2X on others | 2X rewards on UPI | 1 reward point per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | RuPay | Visa |
Best for | rewards, premium | rewards, upi, lifetime-free | fuel, rewards |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Federal Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
IndusInd Bank
1 reward point per ₹100 — Best for fuel · rewards.
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