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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
Mastercard · SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Annual fee
₹999
Visa · Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
Annual fee
₹5,000
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
SBI Card
Annual Fee
₹999
Reward Rate
5% cashback on top online brands; 1% on others
Welcome Benefit
—
Standard Chartered
Annual Fee
₹5,000
Reward Rate
5x on travel & dining; 1x others
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 Cashback Credit CardMastercard · SBI Card | Standard Chartered Ultimate Credit CardVisa · Standard Chartered |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | SBI Card | Standard Chartered |
Card | |||
Annual fee | ₹3,000 | ₹999Best | ₹5,000 |
Joining fee | ₹3,000 | ₹999Best | ₹5,000 |
Reward rate | 5X on top merchants; 2X on othersBest | 5% cashback on top online brands; 1% on others | 5x on travel & dining; 1x others |
Welcome benefit | — | — | — |
Lifetime free | No | No | No |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | cashback, online-shopping | travel, dining, lounge-access |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
SBI Card
5% cashback on top online brands; 1% on others — Best for cashback · online-shopping.
Standard Chartered
5x on travel & dining; 1x others — Best for travel · dining · lounge-access.
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