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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
Visa · Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹1,500
Visa · SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
Annual fee
₹4,999
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
Bank of Baroda
Annual Fee
₹1,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization
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 | Bank of Baroda Prime Credit CardVisa · Bank of Baroda | Tata Neu Infinity SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Bank of Baroda | SBI Card |
Card | |||
Annual fee | ₹499Best | ₹1,500 | ₹4,999 |
Joining fee | ₹90Best | ₹1,500 | ₹4,999 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 4 reward points per ₹100 | 5% Value Back as NeuCoins on Tata Neu spends; up to 5% extra as NeuCoins via NeuPass; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹4,999 credited within 15 days of joining fee realization |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | rewards, premium | online-shopping, premium, travel |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Bank of Baroda
4 reward points per ₹100 — Best for rewards · premium.
SBI Card
Lowest forex markup of 1.99% + 5% NeuCoins on Tata
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