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3 premium Indian credit cards, side by side. Winner in each row is highlighted in yellow.
RuPay · AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual fee
Lifetime free
Visa · Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
Annual fee
Lifetime free
Visa · SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
Annual fee
₹4,500
AU Small Finance Bank
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card)
Welcome Benefit
—
SBI Card
Annual Fee
₹4,500
Reward Rate
5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainment
Welcome Benefit
Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | AU RuPay Credit CardRuPay · AU Small Finance Bank | BOBCARD Prime Credit Card (mapped from requested 'bob-prime-novus')Visa · Bank of Baroda | IndiGo SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Bank of Baroda | SBI Card |
Card | |||
Annual fee | Lifetime Free | Lifetime Free | ₹4,500 |
Joining fee | ₹0 | ₹0 | ₹4,500 |
Reward rate | 2X rewards on UPI | 2 Reward Points per ₹100 on all eligible categories (no accelerated category on this card) | 5 IndiGo BluChips per ₹100 on IndiGo transactions; 2 BluChips per ₹100 on dining, grocery, entertainmentBest |
Welcome benefit | — | — | Welcome gift of 5,000 IndiGo BluChips + 6E Eats voucher |
Lifetime free | Yes | Yes | No |
Network | RuPay | Visa | Visa |
Best for | rewards, upi, lifetime-free | — | airlines, travel, premium |
Apply |
AU Small Finance Bank
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Bank of Baroda
Lifetime free. 2 Reward Points per ₹100 on all eligible categories (no accelerated category … — Best for .
SBI Card
5,000 IndiGo BluChips & 6E Eats voucher
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