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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
3 reward points per ₹100 — Best for rewards · premium.
Annual fee
₹4,999
Visa · Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · 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
₹4,999
Reward Rate
3 reward points per ₹100
Welcome Benefit
—
Uni (SBM Bank)
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
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 SignatureMastercard · SBI Card | Uni Credit CardVisa · Uni (SBM Bank) |
|---|---|---|---|
Card image |  |  |  |
Provider | AU Small Finance Bank | SBI Card | Uni (SBM Bank) |
Card | |||
Annual fee | ₹3,000 | ₹4,999 | Lifetime FreeBest |
Joining fee | ₹3,000 | ₹4,999 | ₹0Best |
Reward rate | 5X on top merchants; 2X on others | 3 reward points per ₹100Best | 1.5X rewards on all spends |
Welcome benefit | — | — | — |
Lifetime free | No | No | YesBest |
Network | Visa | Mastercard | Visa |
Best for | rewards, premium | rewards, premium | rewards, lifetime-free |
Apply |
AU Small Finance Bank
5X on top merchants; 2X on others — Best for rewards · premium.
SBI Card
3 reward points per ₹100 — Best for rewards · premium.
Uni (SBM Bank)
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
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