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| Feature | SBI Card IRCTC SBI Card RuPay | AU Small Finance Bank AU Bank Tejas Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | AU Small Finance Bank |
| Network | RuPay | Visa |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,50,000 annual spending |
| Base reward rate | 0.8% | 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 | Eligible for merchant UPI payments | Not eligible |
| 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 | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Frequent Indian Railways travellers who want UPI capability on the same card. | AU customers comfortable using AU Rewardz and recurring lifestyle offers. |
| Main trade-off | The lounge benefit is for participating railway lounges, not airports. The IRCTC rate requires the cardholder to travel on the eligible booking, and cancelled journeys do not qualify. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
