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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
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
Annual fee
₹2,000
Mastercard · ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
Annual fee
₹500
Visa · SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
Annual fee
₹4,999
AU Small Finance Bank
Annual Fee
₹2,000
Reward Rate
Up to 5 Reward Points per ₹100 on shopping, dining & travel
Welcome Benefit
—
ICICI Bank
Annual Fee
₹500
Reward Rate
2 Payback points per ₹100 on dining
Welcome Benefit
—
SBI Card
Annual Fee
₹4,999
Reward Rate
5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25
Welcome Benefit
Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation.
Side by side
Every fee, reward and benefit in one place — the winning card in each row is marked with a check.
CategoryFeature | AU Vetta Credit CardVisa · AU Small Finance Bank | ICICI Coral Credit CardMastercard · ICICI Bank | SBI Card ELITEVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹2,000 | ₹500Best | ₹4,999 |
Joining fee | ₹0Best | ₹500 | ₹4,999 |
Reward rate | Up to 5 Reward Points per ₹100 on shopping, dining & travel | 2 Payback points per ₹100 on dining | 5 Reward Points per ₹100 on dining, departmental stores and grocery; 2 Reward Points per ₹100 on all other retail spends; 1 Reward Point = Re. 0.25Best |
Welcome benefit | — | — | Up to 5,000 Bonus Reward Points as welcome gift on payment of joining fee, plus complimentary 1-year Club ITC Silver Tier membership on first transaction within 60 days of card activation. |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | — | dining, rewards | premium, lounge-access, dining, forex, milestone |
Apply |
AU Small Finance Bank
Up to 5 Reward Points per ₹100 on shopping, dining & travel — Best for .
ICICI Bank
2 Payback points per ₹100 on dining — Best for dining · rewards.
SBI Card
5X rewards on dining, departmental stores & grocery. 8 domestic + 6 international lounge visits. 1.99% lowest forex markup.
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