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| Feature | AU Small Finance Bank AU Bank Ananta Credit Card | SBI Card SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | SBI Card |
| Network | Visa | Visa |
| Annual fee | ₹2,000 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 0.5% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Dining points | 2.5% · Birthday-window bonus |
| Entertainment & movies | 0.5% · Other eligible points | 2.5% · Birthday-window bonus |
| Groceries & essentials | 0.5% · Other eligible points | 2.5% · Birthday-window bonus |
| Offline store shopping | 1.3% · Shopping points | 0.5% · Birthday-window bonus |
| Online shopping | 1.3% · Shopping points | 0.5% · Birthday-window bonus |
| Travel & hotels | 1.3% · Travel points | 0.5% · Birthday-window bonus |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 13 Sept 2026 |
| Best suited to | Higher-spend AU customers who can use the shopping, dining and annual milestone benefits. | Higher-spend households that regularly use movies, dining and groceries and can reach ₹5 lakh of eligible annual spend. |
| Main trade-off | Shopping, dining and travel points share a 5,000-point statement-cycle cap. Lounge access requires an AU Rewardz flight transaction of at least ₹5,000, so it is disclosed but not auto-valued from broad travel spend. | Four points equal ₹1 and redemption requests can attract a fee. Accelerated lifestyle points are capped monthly; government, gaming, fuel, rent and several financial transactions earn no points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
