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SBM Paisabazaar Paisa+ vs CheQ AU (LED card)

Compare SBM Paisabazaar Paisa+ vs CheQ AU (LED card) across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

SBM Paisabazaar Paisa+ has the strongest mix of rewards and low fees in this comparison.

Card 1

SBM Paisabazaar Paisa+

Monthly spenders who want visible cashback without chasing complex reward conversions.6.0

Card 2

CheQ AU (LED card)

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.2.4
SBM Paisabazaar Paisa Plus
Balanced value6.0

sbm / VISA

SBM Paisabazaar Paisa+

Annual

₹499

Return

5%

Lounges

0

Forex

3.5%

Card summary
  • SBM Paisabazaar Paisa+ leans cashback-first with ₹499 annual fee, 5% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 5% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
CheQ AU LED card
Balanced value2.4

au / VISA

CheQ AU (LED card)

Annual

₹999

Return

1%

Lounges

2

Forex

3.49%

Card summary
  • CheQ AU (LED card) leans reward-led with ₹999 annual fee, 1% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹999 annual fee.
  • 1% cashback keeps value easy to understand.
  • 2 lounge access adds travel utility.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
SBM Paisabazaar Paisa+
CheQ AU (LED card)
Fees
Annual fee
₹499
₹999
Joining fee
₹499
₹1,499
Rewards
Cashback rate
5%
1%
Reward rate
1%
1%
Travel
Forex markup
3.5%
3.49%
Domestic lounges
0
2
International lounges
0
0
Benefits
Fuel waiver
No
Yes
Dining
No
No
Movies
No
No
Eligibility
Minimum income
₹30,000
₹30,000

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