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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 · IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
Annual fee
₹5,000
Visa · OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹5,000
Reward Rate
10X reward points on all spends
Welcome Benefit
—
OneCard
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
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 | IDFC FIRST Ashva Credit CardMastercard · IDFC FIRST Bank | OneCard Metal Credit CardVisa · OneCard |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | IDFC FIRST Bank | OneCard |
Card | |||
Annual fee | ₹3,000 | ₹5,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹5,000 | ₹0Best |
Reward rate | 5X on top merchants; 2X on othersBest | 10X reward points on all spends | 5X rewards on top spending categories |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | rewards, premium | lifetime-free, app-driven, rewards |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
IDFC FIRST Bank
10X reward points on all spends — Best for rewards · premium.
OneCard
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
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