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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 · Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
Annual fee
₹3,000
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
—
Kotak Mahindra Bank
Annual Fee
₹3,000
Reward Rate
4X rewards on selected spends
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 | Kotak White Reserve Credit CardVisa · Kotak Mahindra Bank | SBI BPCL Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | Kotak Mahindra Bank | SBI Card |
Card | |||
Annual fee | ₹3,000 | ₹3,000 | ₹1,499Best |
Joining fee | ₹3,000 | ₹3,000 | ₹1,499Best |
Reward rate | 5X on top merchants; 2X on othersBest | 4X rewards on selected spends | 5X reward points on BPCL fuel |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | rewards, premium | fuel |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
Kotak Mahindra Bank
4X rewards on selected spends — Best for rewards · premium.
SBI Card
5X reward points on BPCL fuel — Best for fuel.
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