CheQ AU Credit Card VS Canara Bank Mastercard Standard Credit Card VS PNB RuPay Platinum Credit Card VS AU Bank Xcite Ace Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
Canara Bank Mastercard Standard Credit Card
PNB RuPay Platinum Credit Card
AU Bank Xcite Ace Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
India's first LED-enabled credit card offers a unique and visually engaging payment experience.
High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.
Lifetime free for the standard variant, making it an attractive option with no annual fees.
Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.
Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.
Pros
Key benefits and features.
Enjoy zero annual, joining, and enrolment fees for an affordable credit card experience.
Benefit from a generous interest-free credit period of up to 50 days on your purchases.
Comprehensive insurance covers provide security for fraudulent charges, baggage, and accidents.
Earn 2 reward points for every ₹100 spent on Point of Sale and e-commerce transactions.
Pros
Key benefits and features.
Low entry barrier with conditional Nil annual and joining fees
Rare combination of both domestic and international lounge access
Comprehensive 24/7 concierge services for travel and dining
Pros
Key benefits and features.
Lifetime free card with zero annual membership fee, offering great value.
Enjoy up to 3% cashback on spends, directly adjusted against your outstanding balance.
Complimentary domestic airport and railway lounge access enhances travel experiences.
Comprehensive insurance benefits provide financial security and purchase protection.
Significant dining discounts and a free device protection plan add lifestyle perks.
Cons
Key drawbacks and limitations.
Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.
Rewards are not applicable on several categories like fuel, education, gold, and rent payments.
Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.
Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.
No domestic or international airport lounge access on this card.
Applications for the LED card opened on April 28, 2026; the LED variant is now live on the CheQ app.
Cons
Key drawbacks and limitations.
The card does not offer any complimentary domestic or international airport lounge access.
An inactivity fee of ₹100 applies if the annual card turnover falls below ₹12,000.
High cash advance charges apply, at 3% of the transaction amount (minimum ₹30).
Cons
Key drawbacks and limitations.
Low reward conversion rate providing only 0.25% value back
High minimum redemption threshold of 500 reward points
Rewards are excluded on common categories like fuel and jewelry
Cons
Key drawbacks and limitations.
Cashback is capped at Rs. 750 per statement cycle, limiting high spenders.
Certain transactions like rent and fuel are ineligible for cashback earnings.
Foreign currency markup of 3.49% is relatively high for international usage.
High interest rate of 45% annually if balances are not paid in full.
Lounge access requires a minimum spend of ₹20,000 each quarter to be eligible.