AU Zenith+ Credit Card VS AU Altura Credit Card VS AU Vetta Credit Card VS AU Bank LIT Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Zenith+ Credit Card
AU Altura Credit Card
AU Vetta Credit Card
AU Bank LIT Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy a very low foreign currency markup of just 0.99% on all international transactions.
Extensive travel benefits with 16 complimentary domestic and 16 international lounge accesses.
Generous welcome benefits offering luxury gift vouchers worth ₹5,000 or 5,000 Reward Points.
Valuable lifestyle perks include 16 BOGO movie tickets and 8 complimentary golf rounds annually.
Milestone benefits like Taj Epicure Membership and bonus Reward Points enhance value.
Pros
Key benefits and features.
Enjoy significant savings with up to 2% cashback on daily essential spends.
Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.
Access complimentary railway lounges in India, enhancing your travel experience.
Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.
Offers zero liability protection, safeguarding against unauthorized card use.
Pros
Key benefits and features.
High reward rate of 4X points on grocery and departmental store purchases, maximizing savings.
Enjoy complimentary domestic and international airport lounge access, enhancing travel comfort.
Benefit from comprehensive insurance coverage, including air accident and purchase protection.
Access a dedicated 24x7 global concierge service for travel, dining, and golf assistance.
Attractive milestone benefits reward consistent spending with bonus points and brand vouchers.
Pros
Key benefits and features.
Highly customizable, allowing users to select and pay for desired features.
Lifetime Free status eliminates annual fees, saving costs on unused benefits.
Offers diverse paid features like accelerated rewards, cashback, and memberships.
Flexibility to activate/deactivate benefits via the AU 0101 App as per need.
Cons
Key drawbacks and limitations.
The annual fee of ₹4,999 + GST is relatively high, despite the spend-based waiver.
Reward points are not earned on essential categories like fuel, cash advances, and EMI spends.
A rewards redemption fee of ₹99 + GST is charged for each redemption transaction.
Quarterly caps on lounge access and movie tickets might limit usage for some users.
Some benefits of the AU Zenith+ Credit Card have experienced devaluations over time.
Cons
Key drawbacks and limitations.
Cashback earnings are capped per statement cycle, limiting overall savings potential.
No cashback is provided on key transaction types like fuel, rent, and wallet spends.
The card does not provide any complimentary airport lounge access.
A foreign currency markup of 3.49% applies to international spends.
Cons
Key drawbacks and limitations.
Reward points are not earned on essential categories like fuel, rent, education, and government spends.
Complimentary lounge access is conditional on achieving specific quarterly spending thresholds.
A redemption fee of ₹99 + GST is applicable for every reward point redemption transaction.
The foreign currency markup of 2.99% is standard and not competitive for international use.
High interest rate of 2.99% per month on revolving credit can be a significant drawback.
Cons
Key drawbacks and limitations.
Users must pay for most premium benefits, increasing overall cost if many are chosen.
Requires active management via app to select/deactivate features and avoid auto-renewal.
Penalty fees apply for not meeting spend targets for certain paid memberships.
Unused lounge access and other paid features expire, cannot be carried forward.