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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 · Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual fee
Lifetime free
Visa · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Welcome Benefit
—
Niyo (DCB Bank)
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
Welcome Benefit
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
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 | Niyo Global Credit CardVisa · Niyo (DCB Bank) | SBI Card AurionVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Niyo (DCB Bank) | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹10,000 |
Joining fee | ₹0 | ₹0 | ₹10,000 |
Reward rate | 2X rewards on fuel & travel | 2X rewards on forex spends | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | Yes | Yes | No |
Network | Visa | Visa | Visa |
Best for | fuel, travel, lifetime-free | travel, lifetime-free | premium, travel |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Niyo (DCB Bank)
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
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