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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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
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 Millennia Credit CardVisa · IDFC FIRST Bank | Kotak MOJO Credit CardMastercard · Kotak Mahindra Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | IDFC FIRST Bank | Kotak Mahindra Bank |
Card | |||
Annual fee | ₹3,000 | ₹1,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹1,000 | ₹0Best |
Reward rate | 5X on top merchants; 2X on othersBest | 3X on online; 2X offline | 2X rewards on online spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Mastercard |
Best for | rewards, premium | online-shopping, rewards | online-shopping, lifetime-free |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Kotak Mahindra Bank
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
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