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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 · IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual fee
Lifetime free
Visa · SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
Annual fee
Lifetime free
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
IDFC FIRST Bank
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
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 | IDFC FIRST Select Credit CardVisa · IDFC FIRST Bank | SBI Card Tata NeuVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | IDFC FIRST Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | Lifetime Free | Lifetime Free |
Joining fee | ₹3,000 | ₹0Best | ₹1,499 |
Reward rate | 5X on top merchants; 2X on othersBest | 3X on top categories; 1X others | 5% NeuCoins on Tata |
Welcome benefit | — | — | — |
Lifetime free | No | Yes | Yes |
Network | Visa | Visa | Visa |
Best for | rewards, premium | lifetime-free, rewards, lounge-access | online-shopping, lifetime-free |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
IDFC FIRST Bank
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
SBI Card
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
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