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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 · ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Annual fee
₹3,000
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹3,000
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
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 | ICICI Bank Gemstone Credit CardMastercard · ICICI Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹3,000 | ₹3,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹3,000 | ₹0Best |
Reward rate | 5X on top merchants; 2X on others | 2 reward points per ₹100Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | rewards, lifestyle | lifetime-free, beginners |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
ICICI Bank
2 reward points per ₹100 — Best for rewards · lifestyle.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
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