AU Zenith Credit Card VS ICICI Bank Sapphiro Credit Card VS SBI Card ELITE Advantage
Comparing 3 cards side by side: AU Zenith Credit Card, ICICI Bank Sapphiro Credit Card, SBI Card ELITE Advantage. AU Zenith Credit Card costs ₹7,999 + GST and earns up to 5X Reward Points on dining, international, grocery; 3X on other retail spends. ICICI Bank Sapphiro Credit Card costs ₹6,500 + GST and earns 4 RP/₹100 on international, 2 RP/₹100 on domestic, 1 RP/₹100 on utility & insurance. SBI Card ELITE Advantage costs ₹4,999 + GST and earns 5X Reward Points on Dining, Departmental/Grocery spends; 2 RP per Rs. 100 on all other spends. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Zenith Credit Card
ICICI Bank Sapphiro Credit Card
SBI Card ELITE Advantage
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Access to complimentary domestic, international, and railway lounge visits.
Low foreign currency markup fee of 1.99% for international transactions.
Attractive welcome and milestone benefits enhance initial and ongoing value.
Comprehensive insurance cover provides financial security and peace of mind.
Dedicated 24x7 global concierge services for personalized assistance.
Pros
Key benefits and features.
Generous welcome benefits worth over ₹13,000, significantly offsetting the initial joining fee.
Extensive complimentary domestic and international airport lounge access for globetrotters.
Attractive Buy One Get One Free movie ticket offer and exclusive dining discounts.
Comprehensive insurance coverage, including high air accident and various travel benefits.
Milestone rewards and annual fee waiver enhance long-term value for high spenders.
Pros
Key benefits and features.
Generous welcome benefits including a Rs. 5,000 e-Gift Voucher and Rs. 6,000 movie tickets.
Significant milestone benefits offering up to 50,000 bonus reward points annually.
Complimentary international (6 visits) and domestic (2 visits/quarter) airport lounge access.
Lowest foreign currency markup at 1.99% makes international spends more economical.
Accelerated 5X reward points on dining, departmental stores, and grocery spends.
Cons
Key drawbacks and limitations.
High joining and annual fee of ₹7,999 + GST can be a barrier for some.
No complimentary golf benefits, a common perk for premium cards.
No complimentary movie benefits, which many premium cards now offer.
Domestic lounge access requires a minimum spend threshold per quarter.
Cons
Key drawbacks and limitations.
High joining and annual fees, though welcome benefits and waivers can mitigate costs.
Lounge, movie, and golf benefits are subject to significant spend-based eligibility criteria.
Reward points value is relatively low at ₹0.25 per point, with an additional redemption fee.
High foreign currency markup and interest rates make it less ideal for specific uses.
Movie benefit eligibility changes to a spend-based model from April 1, 2026.
Cons
Key drawbacks and limitations.
Annual and renewal fees of Rs. 4,999 + taxes apply if spend-based waiver criteria are not met.
A usage fee of $27 + taxes is charged for international lounge visits beyond complimentary quota.
Priority Pass membership is valid for 2 years only, requiring re-evaluation thereafter.