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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
Welcome gift of 2,500 IndiGo BluChips
Annual fee
Lifetime free
Visa · SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
Annual fee
₹499
AU Small Finance Bank
Annual Fee
₹3,000
Reward Rate
5X on top merchants; 2X on others
Welcome Benefit
—
SBI Card
Annual Fee
Lifetime Free
Reward Rate
2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spends
Welcome Benefit
Welcome gift of up to 2,500 IndiGo BluChips on joining
SBI Card
Annual Fee
₹499
Reward Rate
10X rewards on partner online brands; 1X on 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 | IndiGo SBI CardVisa · SBI Card | SBI SimplyCLICK Credit CardVisa · SBI Card |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | SBI Card | SBI Card |
Card | |||
Annual fee | ₹3,000 | Lifetime FreeBest | ₹499 |
Joining fee | ₹3,000 | ₹0Best | ₹499 |
Reward rate | 5X on top merchants; 2X on others | 2 IndiGo BluChips per ₹100 on IndiGo transactions; 1 BluChip per ₹100 on other spendsBest | 10X rewards on partner online brands; 1X on others |
Welcome benefit | — | Welcome gift of up to 2,500 IndiGo BluChips on joining | — |
Lifetime free | No | YesBest | No |
Network | Visa | Visa | Visa |
Best for | rewards, premium | airlines, travel | online-shopping, rewards |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
SBI Card
Welcome gift of 2,500 IndiGo BluChips
SBI Card
10X rewards on partner online brands; 1X on others — Best for online-shopping · rewards.
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