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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. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual fee
Lifetime free
Visa · SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
Annual fee
₹500
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
SBI Card
Annual Fee
₹500
Reward Rate
7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends
Welcome Benefit
Welcome cashback worth ₹500 on first transaction
SBI Card
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
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 LifeTime Free Credit CardVisa · AU Small Finance Bank | Flipkart SBI CardVisa · SBI Card | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | SBI Card | SBI Card |
Card | |||
Annual fee | Lifetime FreeBest | ₹500 | ₹499 |
Joining fee | ₹0Best | ₹500 | ₹499 |
Reward rate | 5X on top merchants; 2X on others | 7.5% cashback on Myntra; 5% cashback on Flipkart; 1% cashback on all other spends | 1 reward point per ₹100Best |
Welcome benefit | — | Welcome cashback worth ₹500 on first transaction | — |
Lifetime free | YesBest | No | No |
Network | Visa | Visa | Visa |
Best for | lifetime-free, rewards | flipkart, online-shopping, cashback | rewards, beginners |
Apply |
AU Small Finance Bank
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
SBI Card
7.5% cashback on Myntra, 5% cashback on Flipkart
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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