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Comparison · हिन्दी

AU Bank Vetta vs SBI Card PRIME

Both cards compared on real rupee returns for best mid-premium credit card India under ₹3000 fee. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
AU SMALL F
VETTA
ASHOK KUMAR
VS
SBI
CARD PRIME
ASHOK KUMAR
Our verdict
SBI Card PRIME wins for most people
SBI Card PRIME wins with ₹241 annual benefit versus AU Bank Vetta's -₹1,259 loss. SBI's superior dining and grocery rewards outweigh the higher fee burden for this spend profile.
Side-by-side comparison
AU Bank Vetta Credit Card SBI Card PRIME ✓
Annual benefit -₹1,259 ₹241
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹1,50,000/year spend from Y2) ₹2,999 + taxes (waived on ₹3,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 4 reward points per ₹100 on grocery, departmental stores and utility (1%); 2 RP on others (0.5%) 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%)
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (on ₹50,000/quarter spend); 1 international visit/quarter via Priority Pass 8 domestic + 4 international visits/year (2 per quarter each)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.99% 3.5%
Best for Premium lifestyle card with grocery and utility rewards, lounge access and birthday benefits Lifestyle spenders who want dining, grocery and movie rewards with lounge access
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹50,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
AU Bank Vetta Credit Card
AU Bank Vetta suits high-utility and grocery spenders exceeding ₹1,50,000 annual spend, where the fee waiver activates. Best for those prioritizing lounge access and lifestyle benefits over pure cashback.
SBI Card PRIME
SBI Card PRIME excels for dining enthusiasts and balanced lifestyle spenders. Its 2.5% rewards on dining and groceries align perfectly with moderate monthly spends around ₹21,000.
Who should get which card
Get AU Bank Vetta if you…
· Utility and grocery-focused budgeters with consistent monthly spends
· Premium lounge access seekers with annual spend above ₹1,50,000
· Those valuing birthday benefits and lifestyle perks over rewards
Get SBI Card PRIME if you…
· Frequent dining and restaurant enthusiasts
· Balanced lifestyle spenders across shopping, dining, and groceries
· Those seeking better value without hitting ₹3,00,000 spend thresholds
· Budget-conscious premium cardholders prioritizing net benefits
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, SBI Card PRIME offers better annual returns for most spend profiles.
AU Bank Vetta Credit Card has an annual fee of ₹2,999 + taxes (waived on ₹1,50,000/year spend from Y2). SBI Card PRIME has an annual fee of ₹2,999 + taxes (waived on ₹3,00,000/year spend).
AU Bank Vetta Credit Card offers 4 reward points per ₹100 on grocery, departmental stores and utility (1%); 2 RP on others (0.5%). SBI Card PRIME offers 10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%).
AU Bank Vetta Credit Card lounge access: 1 domestic visit/quarter (on ₹50,000/quarter spend); 1 international visit/quarter via Priority Pass. SBI Card PRIME lounge access: 8 domestic + 4 international visits/year (2 per quarter each).
AU Bank Vetta Credit Card charges 2.99% forex markup. SBI Card PRIME charges 3.5% forex markup.