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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
Annual fee
₹500
Visa · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Mastercard · IndusInd Bank
2X rewards on all spends — Best for rewards.
Annual fee
₹1,500
Axis Bank
Annual Fee
₹500
Reward Rate
2X rewards on UPI spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
IndusInd Bank
Annual Fee
₹1,500
Reward Rate
2X rewards on all 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 | Axis Bank RuPay Credit CardRuPay · Axis Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | IndusInd Bank Duo Credit CardMastercard · IndusInd Bank |
|---|---|---|---|
Card image |  |  |  |
Provider | Axis Bank | IDFC FIRST Bank | IndusInd Bank |
Card | |||
Annual fee | ₹500Best | ₹1,000 | ₹1,500 |
Joining fee | ₹500Best | ₹1,000 | ₹1,500 |
Reward rate | 2X rewards on UPI spends | 3X on online; 2X offlineBest | 2X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | RuPay | Visa | Mastercard |
Best for | rewards, upi | online-shopping, rewards | rewards |
Apply |
Axis Bank
2X rewards on UPI spends — Best for rewards · upi.
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
IndusInd Bank
2X rewards on all spends — Best for rewards.
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