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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
American Express · ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
Annual fee
₹6,500
Visa · SBI Card
5X reward points on BPCL fuel — Best for fuel.
Annual fee
₹1,499
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
ICICI Bank
Annual Fee
₹6,500
Reward Rate
4 reward points per ₹100
Welcome Benefit
—
SBI Card
Annual Fee
₹1,499
Reward Rate
5X reward points on BPCL fuel
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 | ICICI Sapphiro Credit CardAmerican Express · ICICI Bank | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | ICICI Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹6,500 | ₹1,499Best |
Joining fee | ₹3,000 | ₹6,500 | ₹1,499Best |
Reward rate | 5X on top merchants; 2X on others | 4 reward points per ₹100Best | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | American Express | Visa |
Best for | rewards, premium | premium, travel, rewards | fuel |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
ICICI Bank
4 reward points per ₹100 — Best for premium · travel · rewards.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
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