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| Feature | AU Small Finance Bank AU Bank Tejas Credit Card | ICICI Bank ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | ICICI Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.3% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 0.3% · AU Rewardz points | 5% · Utility and telecom rewards |
| Groceries & essentials | 0.3% · Other eligible points | 5% · Grocery rewards |
| Fuel & commute | Excluded | 4% · HPCL fuel cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | HPCL fuel cashback: ₹200/month |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 24 Sept 2026 | 13 Sept 2026 |
| Best suited to | AU customers comfortable using AU Rewardz and recurring lifestyle offers. | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. |
| Main trade-off | The five-point rate requires AU Rewardz. The statement bonus needs five separately eligible transactions, which an aggregate monthly-spend profile cannot prove, so it is disclosed but not auto-valued. | The 400-point essentials cap is shared per statement cycle. Movie access needs ₹25,000 and lounge access ₹75,000 in the preceding quarter; waived annual fee removes roadside assistance eligibility. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
