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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
5X on top merchants; 2X on others — Best for rewards · premium.
Annual fee
₹3,000
Visa · Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
Annual fee
₹500
Visa · SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
Annual fee
₹1,499
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Axis Bank
Annual Fee
₹500
Reward Rate
5% on Flipkart/Myntra; 1.5% on others
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends
Welcome Benefit
Welcome NeuCoins worth up to ₹1,500 on first 30 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 Zenith Credit CardVisa · AU Small Finance Bank | Axis Flipkart Credit CardVisa · Axis Bank | Tata Neu Plus SBI CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Axis Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹500Best | ₹1,499 |
Joining fee | ₹3,000 | ₹500Best | ₹1,499 |
Reward rate | 5X on top merchants; 2X on othersBest | 5% on Flipkart/Myntra; 1.5% on others | 5% NeuCoins on Tata Neu App / Tata partner spends; 1.5% NeuCoins on other spends |
Welcome benefit | — | — | Welcome NeuCoins worth up to ₹1,500 on first 30 days of card activation |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | flipkart, online-shopping | online-shopping, rewards |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Axis Bank
5% on Flipkart/Myntra; 1.5% on others — Best for flipkart · online-shopping.
SBI Card
2% NeuCoins + annual fee reversal on ₹1L spend
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