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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 · HSBC India
3 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹5,000
Visa · IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹3,000
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
HSBC India
Annual Fee
₹5,000
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹3,000
Reward Rate
3 reward points 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 | HSBC Premier Credit CardVisa · HSBC India | IndusInd Bank Legend Credit CardVisa · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | HSBC India | IndusInd Bank |
Card | |||
Annual fee | ₹3,000 | ₹5,000 | ₹3,000 |
Joining fee | ₹3,000 | ₹5,000 | ₹3,000 |
Reward rate | 5X on top merchants; 2X on others | 3 reward points per ₹100 | 3 reward points per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | premium, rewards | rewards, premium |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
HSBC India
3 reward points per ₹100 — Best for premium · rewards.
IndusInd Bank
3 reward points per ₹100 — Best for rewards · premium.
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