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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
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Annual fee
₹499
Mastercard · Axis Bank
15X reward points on all spends — Best for premium · super-premium.
Annual fee
₹50,000
Visa · SBI Card
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Axis Bank
Annual Fee
₹50,000
Reward Rate
15X reward points on all spends
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | AU Altura+ Credit CardVisa · AU Small Finance Bank | Axis Reserve Credit CardMastercard · Axis Bank | IndiGo SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | SBI Card |
Card | |||
Annual fee | ₹499 | ₹50,000 | Lifetime FreeBest |
Joining fee | ₹90 | ₹50,000 | ₹0Best |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spends | 15X reward points on all spends | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest |
Welcome benefit | — | — | Welcome gift of up to 2,500 IndiGo BluChips on joining |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | — | premium, super-premium | airlines, travel |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Axis Bank
15X reward points on all spends — Best for premium · super-premium.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
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