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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 · IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
Annual fee
₹1,000
Visa · SBI Card
10X reward points on health — Best for healthcare · rewards.
Annual fee
₹1,499
AU Small Finance Bank
Annual Fee
₹499
Reward Rate
2X reward points on online spends; 1 RP per ₹100 on offline spends
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
₹1,000
Reward Rate
3X on online; 2X offline
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
10X reward points on health
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 Altura+ Credit CardVisa · AU Small Finance Bank | IDFC FIRST Millennia Credit CardVisa · IDFC FIRST Bank | SBI Card PulseVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹499Best | ₹1,000 | ₹1,499 |
Joining fee | ₹90Best | ₹1,000 | ₹1,499 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 3X on online; 2X offline | 10X reward points on health |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | — | online-shopping, rewards | healthcare, rewards |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
IDFC FIRST Bank
3X on online; 2X offline — Best for online-shopping · rewards.
SBI Card
10X reward points on health — Best for healthcare · rewards.
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