AU Zenith+ Credit Card VS Bandhan Bank Lumina Credit Card VS BOBCARD ETERNA Credit Card VS Flipkart Axis Bank Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Zenith+ Credit Card
Bandhan Bank Lumina Credit Card
BOBCARD ETERNA Credit Card
Flipkart Axis Bank 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.
Unlimited international lounge access and 8 domestic visits per quarter enhance travel.
Extremely low 1% foreign currency markup makes international spending highly economical.
Generous welcome benefit of a ₹10,000 Oberoi e-voucher on initial spend.
Never-expiring reward points with accelerated earnings on international transactions.
Comprehensive lifestyle perks including golf, dining, movies, and concierge services.
Pros
Key benefits and features.
High reward rate (3.75%) on key categories like online shopping, travel, dining, movies, and international spends.
Low foreign currency markup of 2% makes it ideal for international travelers and online shoppers.
Offers both joining and annual fee spend-based waivers, making the card potentially free.
Unlimited complimentary domestic airport lounge access, though subject to a spend condition.
Available on the RuPay network, enabling UPI transactions with rewards, a unique advantage.
Pros
Key benefits and features.
Very good reward rate of 5% on all eligible spends on Flipkart and Cleartrip.
High reward rate of 7.5% on Myntra, making it ideal for fashion shopping.
Good reward rate of 4% on partner merchants like Swiggy, Uber, PVR, FitPass.
Cashback is directly adjusted against the card’s statement balance every month, simplifying redemption.
No upper limit on cashback for most categories, providing significant savings potential.
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.
High joining and renewal fees of ₹9,999 + taxes may be prohibitive for some users.
Annual spend of ₹12 Lakhs required to waive renewal fee is quite substantial.
High income requirement of >₹18 Lakhs limits accessibility to a niche segment.
The "Nil" late payment charges across all tiers seem unusual and require verification.
Cash advance charges, though "Nil" fee, incur a high 3.50% monthly interest rate.
Cons
Key drawbacks and limitations.
Accelerated reward points are capped at 5,000 points per statement cycle for specific categories.
Domestic airport lounge access is conditional on high quarterly spending, which may be challenging.
Golf benefits previously offered with the Eterna Credit Card have since been removed.
No reward points are earned on certain categories such as insurance, fuel, and wallet transactions.
Cons
Key drawbacks and limitations.
Not the best choice for offline shopping, offering only 1% cashback on such spends.
Does not offer any insurance benefits, such as air accident cover or luggage cover.
No complimentary airport lounge access, limiting travel perks for cardholders.
New fees on rent, education, utilities, and wallet loads from late 2024.