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| Feature | AU Small Finance Bank AU Bank Vetta Credit Card | SBI Card Titan SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | SBI Card |
| Network | Visa + RuPay | Visa + RuPay |
| Annual fee | ₹2,999 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 0.4% | 1.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Groceries & essentials | 0.8% · Grocery bonus points | 1.5% · Other eligible retail points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Selected non-jewellery Titan cashback: ₹10,000/quarter · Mia, CaratLane and Zoya cashback: ₹10,000/quarter · Tanishq gift vouchers: ₹25,000/quarter |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 3.0% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Regular grocery and department-store spenders who travel several times a year. | Titan and Tanishq customers who also travel enough to use domestic and international lounges. |
| Main trade-off | GainFair uses the conservative ₹0.20 e-voucher point value; some AU catalogue routes can reach ₹0.25. Domestic lounge access needs ₹50,000 in the preceding quarter, and forex rises from 2.99% to 3.49% on 1 October 2026. | Titan accelerators require an eligible brand transaction of at least ₹100 and have quarterly caps. Tanishq Golden Harvest, utilities, fuel, wallet loads and rent earn no rewards. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
