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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 · Federal Bank
2 reward points per ₹100 — Best for rewards.
Annual fee
₹1,500
Visa · SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
Annual fee
₹499
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
Federal Bank
Annual Fee
₹1,500
Reward Rate
2 reward points per ₹100
Welcome Benefit
—
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 Zenith Credit CardVisa · AU Small Finance Bank | Federal Bank Visa Signature Credit CardVisa · Federal Bank | SBI Unnati Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Federal Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹1,500 | ₹499Best |
Joining fee | ₹3,000 | ₹1,500 | ₹499Best |
Reward rate | 5X on top merchants; 2X on others | 2 reward points per ₹100Best | 1 reward point per ₹100 |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | rewards | rewards, beginners |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Federal Bank
2 reward points per ₹100 — Best for rewards.
SBI Card
1 reward point per ₹100 — Best for rewards · beginners.
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