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| Feature | AU Small Finance Bank AU Bank Laksya Credit Card | BOBCARD BOBCARD Premier Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | BOBCARD |
| Network | Visa | RuPay |
| Annual fee | ₹1,000 + GST per year | ₹1,000 + GST per year |
| Annual fee waiver | At ₹2,00,000 annual spending | At ₹1,20,000 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. | ||
| Groceries & essentials | 1.3% · Contactless points | Excluded |
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 | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹60,000/month salaried · ₹60,000/month self-employed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | Households with grocery and store spend that take several domestic trips each year. | Moderate spenders who dine and travel domestically and can clear the annual waiver. |
| Main trade-off | Grocery and department-store acceleration shares a 1,000-point statement-cycle cap. Lounge access requires ₹50,000 in the preceding quarter, and utility, telecom and insurance earn only one point per ₹100. | The zero joining fee is the offer effective September 1, 2026. Accelerated points do not apply to UPI transactions, the 3.5% forex charge is higher than the 2.5% accelerated reward value, and former accident cover ended August 25, 2026. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
