CheQ AU Credit Card VS SBI Unnati Credit Card VS TMB Platinum Credit Card VS RBL Bank EasySaver Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
SBI Unnati Credit Card
TMB Platinum Credit Card
RBL Bank EasySaver 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.
Ideal for new credit users or those aiming to build a strong credit history effectively.
Enjoy zero annual fees for the initial four years, making it a cost-effective choice.
Receive Rs. 500 cashback on annual spends of Rs. 50,000, rewarding consistent usage.
Earn 1 Reward Point for every Rs. 100 spent across all categories, offering steady rewards.
Facilitates a seamless transition to digital payments with its contactless Tap & Pay feature.
Pros
Key benefits and features.
Excellent for building or rebuilding credit history securely with a fixed deposit.
No joining fee and free add-on cards make it a highly cost-effective option for families.
Secured against a Term Deposit, minimizing financial risk for the cardholder.
Offers basic transactional convenience and supports eco-friendly digital PIN generation.
Pros
Key benefits and features.
Earn accelerated reward points on essential education and bill payments.
Benefit from a monthly fuel surcharge waiver, saving on daily commutes.
Receive 1,000 welcome reward points upon meeting initial spend criteria.
Access the 'Easy Cash' facility for convenient ATM withdrawals when needed.
Offers significant savings on recurring expenses, enhancing everyday value.
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 SBI Unnati Credit Card does not offer any specific welcome benefits upon joining.
A redemption fee of Rs. 99 is charged for each reward point redemption request.
High foreign currency markup of 3.5% makes international spending less attractive.
Reward points are not earned on fuel, cash advance, balance transfer, or Flexipay transactions.
Requires a fixed deposit of Rs. 25,000 or more, limiting access for some users.
Cons
Key drawbacks and limitations.
Lacks extensive rewards, cashback programs, or significant lifestyle perks.
Requires a minimum Term Deposit of ₹50,000 with TMB for eligibility.
High foreign currency markup of up to 3.5% makes international spends expensive.
Cash advance charges are relatively high, with a minimum fee per transaction.
Cons
Key drawbacks and limitations.
High finance charges of 47.88% per annum can lead to substantial debt.
A reward redemption fee of INR 99 + GST is levied on point redemptions.
Many categories, including fuel and insurance, are excluded from earning rewards.
Lacks premium benefits like airport lounge access or milestone rewards.
No bundled insurance covers for travel, health, or credit liability.