Axis Bank KWIK RuPay Credit Card VS BOI Rupay Swadhan Platinum VS Canara Bank Mastercard Gold Secured Credit Card VS Canara Bank RuPay Classic Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank KWIK RuPay Credit Card
BOI Rupay Swadhan Platinum
Canara Bank Mastercard Gold Secured Credit Card
Canara Bank RuPay Classic Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
It is a lifetime free credit card, with no joining or annual fees.
Cardholders receive a virtual credit card instantly upon approval via the Kiwi mobile app.
Offers seamless UPI transaction capability, allowing credit card use at merchants with QR codes.
Provides a decent reward rate of 2 EDGE RPs per Rs. 200 spent on domestic and international transactions.
Pros
Key benefits and features.
Lifetime free with no joining or renewal fees, making it a cost-effective option for long-term use.
Secured against a Fixed Deposit/TDR, making it accessible for individuals with low CIBIL scores or poor credit history to build their profile.
Offers lower interest rates compared to many unsecured credit cards, providing financial relief on revolving credit.
Easy application process for individuals with proof of income as an employee or self-employed person.
Pros
Key benefits and features.
Zero joining, annual, and enrolment fees make the card highly accessible.
Offers a generous interest-free credit period of up to 50 days on purchases.
Earns 2 reward points for every ₹100 spent on PoS and e-commerce transactions.
Provides comprehensive insurance benefits including fraud, baggage, and accident cover.
Secured against a Fixed Deposit, ideal for building or rebuilding credit history.
Pros
Key benefits and features.
Lifetime-free card with zero joining and annual fees, making it highly accessible.
Enjoy an interest-free credit period of up to 50 days on your purchases.
Earn valuable reward points on all PoS and e-commerce transactions for every ₹100 spent.
Comprehensive insurance benefits including fraud, baggage, purchase, and accident cover.
Cons
Key drawbacks and limitations.
Does not offer international or domestic lounge access.
Lacks specific benefits for travel, dining, movies, golf, or insurance.
Significant reward point exclusions on common spends like fuel and rent.
Cons
Key drawbacks and limitations.
Using a fixed deposit as collateral reduces liquidity, as funds cannot be withdrawn in an emergency until the credit card account is closed.
The card offers limited benefits and lacks premium features such as complimentary lounge access, movie discounts, or dining offers.
While secured, the fixed deposit collateral offers a low interest rate, which is a trade-off for the card's security and accessibility.
Cons
Key drawbacks and limitations.
An inactivity fee of ₹150 is charged if annual card turnover is less than ₹25,000.
High cash withdrawal charges of 3% or minimum ₹150, plus additional finance charges.
A foreign currency markup fee of up to 3% applies to all international transactions.
Reward points earning rate is relatively modest at 2 points per ₹100 spent.
Requires a fixed deposit as security, which may not suit all potential cardholders.
Cons
Key drawbacks and limitations.
Lacks specific benefits for dining, movies, or travel, limiting lifestyle perks.
High foreign currency markup of up to 3% on international transactions.
Fuel surcharge waiver is limited, with a minimum fee and specific spend conditions.
An inactivity fee of ₹100 applies if annual card turnover is less than ₹12,000.