Best AU Small Finance Bank Credit Cards 2026

Key Advantages

• ✓ 0.99% forex markup, among the lowest available
• ✓ 16 complimentary international airport lounge visits/year via Priority Pass
• ✓ Buy 1 Get 1 Free movie tickets via BookMyShow (up to 16/year)
• ✓ Air accident cover up to ₹2 Crore
• ✓ Complimentary golf games & lessons (8/year)

Key Advantages

• ✓ 40,000 Reward Points welcome benefit on card activation
• ✓ Unlimited international airport lounge access plus 4 domestic visits per quarter
• ✓ 4 complimentary international lounge visits/year for an accompanying guest
• ✓ Fee waiver threshold (Annual fee waived on ₹12 Lakh annual retail spends)

Key Advantages

• ✓ Choose a reward plan (Home, Shop, Travel or Party) matched to your spending pattern
• ✓ Up to 8X Reward Points in your chosen category, redeemable at ₹0.40/point
• ✓ Lifetime free card with no annual fee
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ 12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app
• ✓ 5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery
• ✓ 24 CheQ Points per ₹200 on utility bill payments via the CheQ app
• ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Key Advantages

• ✓ Lifetime free, with zero joining or renewal fees
• ✓ Direct discounts on flight, hotel and bus bookings made through Ixigo
• ✓ Highly competitive base reward rate covering generalized online transactions
• ✓ 8 domestic airport lounge visits and 8 railway lounge visits a year

Key Advantages

• ✓ Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners
• ✓ 0.75% monthly interest rate, among the lowest of any Indian credit card
• ✓ Unlimited complimentary domestic and international lounge access for cardholder and guests

Key Advantages

• ✓ Flat 5% cashback on eligible online purchases across e-commerce platforms
• ✓ 1% cashback on offline retail transactions
• ✓ Auto-credited statement balance cashback without manual redemption steps or fees
• ✓ Generous monthly cashback cap of up to ₹4,000 per statement cycle
• ✓ Annual renewal fee waived on reaching ₹2 Lakh in annual spends

Key Advantages

• ✓ 5% cashback on mobile recharges, electricity, internet and other utilities via Google Pay
• ✓ 4% cashback on Swiggy, Zomato and Ola
• ✓ 4 complimentary domestic lounge visits per year across India

Key Advantages

• ✓ 1% cashback on your top 2 spend categories, auto-detected by the app
• ✓ 4 domestic lounge visits/quarter via Visa Signature
• ✓ Reward points never expire once earned
• ✓ Fee waiver threshold (Lifetime free metal credit card)

Key Advantages

• ✓ 5% cashback on Flipkart orders
• ✓ Cashback applied automatically to your statement, no manual redemption
• ✓ Low ₹499 fee with an easily reachable waiver threshold

Key Advantages

• ✓ Fee waived on a low ₹50,000 annual spend threshold
• ✓ 8X Reward Points per ₹150 on special categories (airlines, travel, electronics, departmental stores)
• ✓ Milestone offer: 4 free PVR movie tickets or 10,000 Reward Points every 6 months on ₹1.25 Lakh spends
• ✓ 1% fuel surcharge waiver and railway booking surcharge waiver
• ✓ Zero lost card liability protection up to ₹1,25,000

Key Advantages

• ✓ 10 Reward Points per ₹200 on dining, travel & international spends
• ✓ Up to 20% dining discount at 1,500+ partner restaurants
• ✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
• ✓ Fee waiver threshold (Lifetime free credit card)

Key Advantages

• ✓ 15%+ dining discount at 2,500+ Culinary Treats partner restaurants
• ✓ 25% off (up to ₹100) on 2 BookMyShow/INOX movie tickets, twice a month
• ✓ 4 complimentary railway lounge visits annually
• ✓ Fee waiver threshold (Annual fee waived on ₹1.5 Lakh annual retail spends)

Key Advantages

• ✓ 5 Reward Points per ₹150 on hotels, restaurants & fuel, with no monthly cap
• ✓ Complimentary Priority Pass membership covering 1,200+ airport lounges worldwide
• ✓ 100% cashback up to ₹500 on restaurant spends within the first 90 days
• ✓ 15% discount at 850+ participating restaurants across India

Key Advantages

• ✓ 1:1 redemption ratio when used for IndianOil fuel purchases
• ✓ Points transfer to 15+ airline and hotel partners at a 2:1 ratio
• ✓ Up to 30% discount on Zomato
• ✓ Fee waived on ₹1 lakh in annual spend

Key Advantages

• ✓ Up to 7.25% value back on BPCL fuel purchases
• ✓ 10X points on groceries, department stores, dining and movies
• ✓ Domestic airport lounge access included
• ✓ Points redeem directly for BPCL fuel

Key Advantages

• ✓ Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
• ✓ 2.5% back on groceries, utilities and department stores
• ✓ Welcome bonus offsets the joining fee
• ✓ Fee waived on ₹1.5 lakh in annual spend
• ✓ Includes complimentary domestic airport lounge access

Key Advantages

• ✓ Up to 6.5% combined savings on HPCL fuel spends
• ✓ Bonus rewards on groceries and utility bills
• ✓ Rewards on FASTag toll recharges too
• ✓ Domestic airport lounge access included
• ✓ Low cash conversion reward redemption parity threshold

Key Advantages

• ✓ 0% forex markup on international spends
• ✓ Unlimited complimentary airport lounge access worldwide
• ✓ 3X reward points on dining and travel
• ✓ Issued as a metal card

Key Advantages

• ✓ 10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month
• ✓ Instant savings on food delivery platforms including Swiggy
• ✓ Complimentary airport lounge access included
• ✓ Dining discounts at partner restaurants

Key Advantages

• ✓ Discounts on movie tickets and food delivery apps
• ✓ Complimentary domestic airport lounge access

Key Advantages

• ✓ Up to 10% value-back on IRCTC train ticket bookings, plus a 1% transaction charge waiver

Key Advantages

• ✓ Complimentary MakeMyTrip BLACK membership, with exclusive travel discounts
• ✓ 10X travel points on MakeMyTrip, Yatra & other travel portals
• ✓ 6 complimentary domestic airport lounge visits/year
• ✓ 2 complimentary international lounge visits/year via Priority Pass
• ✓ Dedicated travel concierge assistance

Key Advantages

• ✓ No annual fee, genuinely lifetime free
• ✓ Simple flat 2 PAYBACK points on every ₹100 spend
• ✓ 25% dining discount at 2,500+ Culinary Partner restaurants
• ✓ Contactless chip card with enhanced security
• ✓ Easy approval, ideal for credit beginners

Key Advantages

• ✓ Unlimited complimentary domestic airport lounge access
• ✓ 15 reward points per ₹100 on dining, travel and international spends
• ✓ 2% forex markup on overseas transactions, better than most cards at this fee
• ✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
• ✓ Preventive health checkup package for women cardholders

Key Advantages

• ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
• ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
• ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
• ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
• ✓ Trip cancellation insurance included at no extra cost

Key Advantages

• ✓ Lifetime free, with no onboarding or annual fee
• ✓ 10X reward points on dining, travel and international spends
• ✓ 1.5% forex markup
• ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
• ✓ Lounge access, spa visits and golf rounds included

Key Advantages

• ✓ Lifetime Free credit card with zero joining and zero annual maintenance charges
• ✓ RuPay variant available for UPI payments
• ✓ 100% cashback up to ₹300 on first utility bill payment made via Paytm
• ✓ Instant discounts up to 40% on Zomato, Blinkit, BookMyShow, Myntra, and Paytm
• ✓ Minimum 15% discount on dining out at partner restaurants via Axis Dining Delights

Key Advantages

• ✓ 2X reward points on weekend spending
• ✓ Lifetime free, with no joining or annual fee
• ✓ Competitive low foreign currency markup handling fee of 1.8%
• ✓ 1:1 points transfer to airline miles, and points never expire
• ✓ Earns rewards on typically excluded baseline bills like rent, utility, and insurance premium payments

Key Advantages

• ✓ 10% cashback on dining, groceries and food delivery
• ✓ 1% cashback on UPI payments via the RuPay network
• ✓ Zero foreign exchange transaction markup fees until 30 June 2026
• ✓ Cashback credited directly to your statement, no point conversion needed
• ✓ Fee waived on ₹2 lakh in annual spend

Key Advantages

• ✓ Lifetime free, with no ongoing annual fee
• ✓ 1.5% forex markup
• ✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
• ✓ Domestic and international lounge access, plus seasonal golf access
• ✓ Points convert to airline miles at up to a 1:1 ratio

Key Advantages

• ✓ 100% Lifetime Free credit card with zero joining and annual fees
• ✓ 2 Reward Points per ₹100 spent on LIC insurance premium payments and international transactions
• ✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
• ✓ Extensive complimentary insurance package: ₹1 Crore air accident cover, ₹5 Lakh personal accident cover & ₹1 Lakh purchase protection
• ✓ Zero liability protection against lost/stolen cards up to ₹5 Lakh

Key Advantages

• ✓ Unlimited complimentary international & domestic lounge access
• ✓ Dedicated personal butler service & 24x7 Pinnacle concierge
• ✓ Golf membership & unlimited rounds at 9 premium courses in India
• ✓ Exclusive Pinnacle experiences, including luxury hotel upgrades and chef's table access
• ✓ Travel insurance up to ₹2 crore air accident cover

Key Advantages

• ✓ Unlimited complimentary airport lounge visits worldwide (primary + add-on)
• ✓ Up to 10X reward points via HDFC SmartBuy platform
• ✓ 6 complimentary golf games every quarter globally (24/year)
• ✓ 1 point equals ₹1 when redeemed for air miles or hotel bookings, among the best redemption rates available
• ✓ Complimentary Club Marriott, Amazon Prime & Swiggy One membership

Key Advantages

• ✓ 1 Complimentary Free Night Award annually (valid up to 15,000 Bonvoy points)
• ✓ Automatic Marriott Bonvoy Silver Elite Status + 10 Elite Night Credits per year
• ✓ 8 Bonvoy Points per $1 spent at participating Marriott Bonvoy properties worldwide
• ✓ 12 airport lounge access visits per year (8 Domestic + 4 International)
• ✓ Annual fee of ₹3,000 effectively offset by Free Night Award