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| Feature | AU Small Finance Bank AU Bank Prathama Credit Card | SBI Card Reliance SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | SBI Card |
| Network | Visa | RuPay |
| Annual fee | ₹100 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹75,000 annual spending | At ₹1,00,000 annual spending |
| Base reward rate | 0.3% | 0.3% |
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 | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | First-time cardholders wanting a very low-cost Visa with simple points. | Regular AJIO, JioMart and Reliance Retail shoppers seeking an entry-level RuPay card. |
| Main trade-off | The higher ordinary rate applies only to incremental spend above ₹5,000 in each statement cycle. Standing-instruction bonuses are once per merchant and are not auto-valued without setup activity. | Reliance rates require the exact participating merchant and payment rail. UPI at participating Reliance stores earns only the 0.25% base value, and milestone vouchers require Reliance Retail spend that the broad category model cannot safely infer. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
