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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 · HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
Annual fee
₹500
Visa · HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
2 reward points per ₹150
Welcome Benefit
—
HDFC Bank
Annual Fee
₹500
Reward Rate
10X cashback on partner spends; 2X on PayZapp
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 | HDFC Bank Bharat Credit CardMastercard · HDFC Bank | HDFC Bank MoneyBack Plus Credit CardVisa · HDFC Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | HDFC Bank |
Card | |||
Annual fee | ₹3,000 | ₹500 | ₹500 |
Joining fee | ₹3,000 | ₹500 | ₹500 |
Reward rate | 5X on top merchants; 2X on others | 2 reward points per ₹150Best | 10X cashback on partner spends; 2X on PayZapp |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | rewards, everyday | online-shopping, cashback |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
HDFC Bank
2 reward points per ₹150 — Best for rewards · everyday.
HDFC Bank
10X cashback on partner spends; 2X on PayZapp — Best for online-shopping · cashback.
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