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| Feature | BOBCARD BOBCARD Premier Credit Card | AU Small Finance Bank AU Bank Ananta Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | AU Small Finance Bank |
| Network | RuPay | Visa |
| Annual fee | ₹1,000 + GST per year | ₹2,000 + GST per year |
| Annual fee waiver | At ₹1,20,000 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 | 0.5% · Restaurant bonus | 1.3% · Dining points |
| Offline store shopping | 0.5% · Other eligible rewards | 1.3% · Shopping points |
| Online shopping | 0.5% · Other eligible rewards | 1.3% · Shopping points |
| Travel & hotels | 0.5% · SmartDeal hotel bonus | 1.3% · Travel points |
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 | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹60,000/month salaried · ₹60,000/month self-employed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Moderate spenders who dine and travel domestically and can clear the annual waiver. | Higher-spend AU customers who can use the shopping, dining and annual milestone benefits. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
