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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 · HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
Annual fee
₹500
Visa · HSBC India
5X on travel — Best for travel.
Annual fee
₹3,000
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
5X rewards on PayZapp
Welcome Benefit
—
HSBC India
Annual Fee
₹3,000
Reward Rate
5X on travel
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 PayZapp Credit CardVisa · HDFC Bank | HSBC TravelOne Credit CardVisa · HSBC India |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HDFC Bank | HSBC India |
Card | |||
Annual fee | ₹3,000 | ₹500Best | ₹3,000 |
Joining fee | ₹3,000 | ₹500Best | ₹3,000 |
Reward rate | 5X on top merchants; 2X on othersBest | 5X rewards on PayZapp | 5X on travel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | online-shopping, cashback | travel |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
HDFC Bank
5X rewards on PayZapp — Best for online-shopping · cashback.
HSBC India
5X on travel — Best for travel.
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