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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
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Annual fee
Lifetime free
Visa · Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual fee
Lifetime free
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Welcome Benefit
—
Kotak Mahindra Bank
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 Aldiyar Credit CardVisa · AU Small Finance Bank | Kotak 811 Dream Different Credit CardVisa · Kotak Mahindra Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹999 |
Joining fee | ₹0 | ₹0 | ₹999 |
Reward rate | 2X rewards on fuel & travel | 1 reward point per ₹100Best | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Mastercard |
Best for | fuel, travel, lifetime-free | lifetime-free, beginners | cashback, online-shopping |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Kotak Mahindra Bank
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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