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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 · Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual fee
Lifetime free
Mastercard · SBI Card
5 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹2,999
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Bank of Baroda
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹2,999
Reward Rate
5 reward points 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 Zenith Credit CardVisa · AU Small Finance Bank | Bank of Baroda Empower Credit CardVisa · Bank of Baroda | SBI Card PRIMEMastercard · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Bank of Baroda | SBI Card |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹2,999 |
Joining fee | ₹3,000 | ₹0Best | ₹2,999 |
Reward rate | 5X on top merchants; 2X on others | 1 reward point per ₹100 | 5 reward points per ₹100Best |
Welcome benefit | — | — | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Mastercard |
Best for | rewards, premium | lifetime-free | rewards, premium |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Bank of Baroda
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
SBI Card
5 reward points per ₹100 — Best for rewards · premium.
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