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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 · SBI Card
5 reward points per ₹100 — Best for premium · travel.
Annual fee
₹10,000
Visa · Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · 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
—
SBI Card
Annual Fee
₹10,000
Reward Rate
5 reward points per ₹100
Welcome Benefit
—
Standard Chartered
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
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 | SBI Card AurionVisa · SBI Card | Standard Chartered Platinum Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹10,000 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹10,000 | ₹0Best |
Reward rate | 5X on top merchants; 2X on others | 5 reward points per ₹100Best | 5% cashback on fuel & utility |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Visa | Visa |
Best for | rewards, premium | premium, travel | fuel, bill-payments, lifetime-free |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
SBI Card
5 reward points per ₹100 — Best for premium · travel.
Standard Chartered
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
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