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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 · IndusInd Bank
5X rewards on dining — Best for dining.
Annual fee
₹750
Visa · Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · 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
—
IndusInd Bank
Annual Fee
₹750
Reward Rate
5X rewards on dining
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
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 | IndusInd Bank EazyDiner Credit CardMastercard · IndusInd Bank | Uni Pay Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | IndusInd Bank | Uni (SBM Bank) |
Card | |||
Annual fee | ₹3,000 | ₹750 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹750 | ₹0Best |
Reward rate | 5X on top merchants; 2X on othersBest | 5X rewards on dining | 2X rewards on UPI |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | dining | upi, cashback, lifetime-free |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
IndusInd Bank
5X rewards on dining — Best for dining.
Uni (SBM Bank)
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
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