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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 · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL fuel
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
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 | SBI BPCL Credit CardVisa · SBI Card | SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | SBI Card | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹1,499 | ₹4,999 |
Joining fee | ₹0Best | ₹1,499 | ₹4,999 |
Reward rate | 2X rewards on fuel & travel | 5X reward points on BPCL fuel | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best |
Welcome benefit | — | — | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | fuel, travel, lifetime-free | fuel | premium, lounge-access, dining, forex, milestone |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
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