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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 · Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
Annual fee
₹10,000
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹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
—
Kotak Mahindra Bank
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
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 | Kotak Zenith Credit CardVisa · Kotak Mahindra Bank | SBI Cashback Credit CardMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹499Best | ₹10,000 | ₹999 |
Joining fee | ₹90Best | ₹10,000 | ₹999 |
Reward rate | 2X reward points on online spends; 1 RP per ₹100 on offline spendsBest | 5 reward points per ₹100 | 5% cashback on top online brands; 1% on others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Mastercard |
Best for | — | premium, rewards | cashback, online-shopping |
Apply |
AU Small Finance Bank
2X reward points on online spends; 1 RP per ₹100 on offline spends — Best for .
Kotak Mahindra Bank
5 reward points per ₹100 — Best for premium · rewards.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
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