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AU Zenith+ Credit Card VS HDFC Bank INFINIA Metal Credit Card VS RBL Bank World Safari Lite Credit Card VS Yes Bank Marquee Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Comparing 4 cards side by side: AU Zenith+ Credit Card, HDFC Bank INFINIA Metal Credit Card, RBL Bank World Safari Lite Credit Card, Yes Bank Marquee Credit Card. AU Zenith+ Credit Card costs ₹4,999 + GST and earns 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. RBL Bank World Safari Lite Credit Card costs ₹1,000 + GST and earns 1 RP per INR 100 on domestic travel; 5 RP per INR 100 on flights/hotels via RBL portal. Yes Bank Marquee Credit Card costs ₹9,999 + GST and earns 36 Reward Points on ₹200 online spends (4.5%) & 18 Reward Points on ₹200 offline spends (2.25%). Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

AU Zenith+ Credit Card
AU Zenith+ Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
RBL Bank World Safari Lite Credit Card
RBL Bank World Safari Lite Credit Card
Yes Bank Marquee Credit Card
Yes Bank Marquee Credit Card

Fees & Charges

Joining Fee₹4,999 + GST
Joining Fee₹12,500 + GST
Joining Fee₹1,000 + GST
Joining Fee₹9,999 + GST
Renewal Fee₹4,999 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverAnnual Charges are waived on spending ₹8 Lakh or more in the card anniversary year.
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based Waiver
Spend Based WaiverAnnual fee waived on spending Rs. 10 Lakh in a year.
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction Fees0% on all international transactions, saving significantly compared to other credit cards.
Foreign Transaction Fees1% of the transaction amount.
Interest Rate (APR)1.99% Per Month or 23.88% Per Annum.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)
Interest Rate (APR)2.99% per month (35.88% annually).

Rewards & Benefits

Welcome BonusLuxury Gift Vouchers worth ₹5,000 from brands like Taj Hotels, Tata Cliq, or Michael Kors, or 5,000 Reward Points.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome BonusGet gift vouchers worth INR 1,000+ upon making your first transaction within 30 days of card issuance. Includes Ixigo, Swiggy One, OTT Play vouchers.
Welcome Bonus40,000 Reward Points & complimentary ETPrime subscription voucher worth ₹3,199.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards RateEarn 1 RP per INR 100 on domestic travel; 5 RP per INR 100 on flights/hotels via RBL portal.
Rewards RateEarn 36 RP on ₹200 online (4.5%), 18 RP on ₹200 offline (2.25%), 10 RP on ₹200 utilities (1.25%).
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil
Reward Redemption FeeINR 99 + GST per redemption instance. A one-time fee is charged for redemptions made in a single day.
Reward Redemption Fee₹100 + GST

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge Access1 complimentary lounge visit every calendar quarter in India, activated on INR 50,000 spend in previous quarter.
Domestic Lounge Access6 complimentary visits/quarter for primary/add-on + 2 guest visits/quarter (spend ₹1L/quarter).
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge Access1 complimentary lounge visit every calendar quarter abroad, activated on INR 50,000 spend in previous quarter.
International Lounge AccessUnlimited access for primary/add-on cardholders + 4 guest visits/year.
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel Benefits5X Reward Points on flights and hotel bookings via RBL Bank Rewards Portal. Complimentary lounge access.
Travel BenefitsLow 1% foreign currency markup; extensive lounge access; travel assistance.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie Benefits
Movie BenefitsAccess to OTT Play for curated streaming experiences and exclusive benefits.
Movie BenefitsBuy One Get One (BOGO) on movie tickets, capped at 3/month (max ₹800/ticket).
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsSwiggy One benefits for food delivery and other services.
Dining Benefits15% discount at select restaurants.
Golf BenefitsUp to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf Benefits
Golf BenefitsWaiver of 4 Green Fees; 1 complimentary golf lesson per month at select courses.
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹5,000, max ₹1,000/statement cycle.

Security & Other

Insurance BenefitsAir Accident Cover – Up to ₹2 Crore, Card Liability Cover – Up to ₹15 Lakhs, Credit Shield – Up to ₹15 Lakhs, Purchase Protection – Up to ₹50,000.
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance Benefits
Insurance BenefitsCredit Shield Cover of Rs. 3 Lakh; 6-month accidental damage insurance for online electronics.
Cash Advance ChargesNone.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance Charges
Cash Advance Charges2.5% or ₹650, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Zenith+ Credit Card

HDFC Bank INFINIA Metal Credit Card

RBL Bank World Safari Lite Credit Card

Yes Bank Marquee Credit Card

Who is it for?

The AU Zenith+ Metal Credit Card is AU Small Finance Bank’s most luxurious offering, specifically designed for individuals who frequently travel and engage in high credit card spending. It distinguishes itself with a choice of ₹5,000 luxury gift vouchers or Reward Points as a welcome benefit, a competitive 0.99% forex markup fee, and extensive travel perks including 16 complimentary domestic and international lounge accesses. The card also provides valuable lifestyle benefits such as golf rounds and Buy-One-Get-One movie tickets.

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Who is it for?

The RBL Bank World Safari Lite Credit Card is tailored for frequent international travelers, offering a significant 0% foreign exchange markup. Cardholders benefit from accelerated 5X Reward Points on travel bookings made through the RBL Bank Rewards Portal and complimentary domestic and international lounge access. This card enhances global travel experiences by providing substantial savings and exclusive perks, making it an ideal choice for those seeking value on their journeys.

Who is it for?

The Yes Bank Marquee Credit Card is a super-premium offering designed for individuals seeking extensive benefits across travel, shopping, and entertainment. It features unlimited international airport lounge access, buy-one-get-one-free movie tickets, and an accelerated reward points program. With a low 1% foreign currency markup and purchase protection, it's ideal for frequent travelers and high spenders who can maximize its premium perks.

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 lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Pros

Key benefits and features.

Enjoy 0% foreign exchange markup, offering significant savings on all international transactions.

Earn accelerated 5X Reward Points on flights and hotels booked via the RBL Bank portal.

Benefit from complimentary domestic and international airport lounge access quarterly.

High spenders are rewarded with up to 15,000 bonus Reward Points on annual spends.

Pros

Key benefits and features.

Ideal for international travelers due to unlimited international lounge access and a low 1% foreign currency markup.

Attractive for entertainment lovers, offering BOGO movie tickets and dining discounts.

Accelerated reward points on online and offline spends, including specific utility payments.

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.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

Cons

Key drawbacks and limitations.

Lounge access requires a minimum spend of INR 50,000 in the previous quarter to activate.

A redemption fee of INR 99 + GST is charged for each instance of reward point redemption.

Reward points have a significantly lower value for non-travel redemptions (INR 0.05/point).

Reward points can only be redeemed through the RBL Bank Rewards Portal, limiting flexibility.

Cons

Key drawbacks and limitations.

The card has a high joining fee of Rs. 9,999 + GST, making initial cost significant.

Welcome benefits, while valuable, may seem limited compared to the high joining charge.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Zenith+ Credit Card(opens in new tab)Apply for HDFC Bank INFINIA Metal Credit Card(opens in new tab)Apply for RBL Bank World Safari Lite Credit Card(opens in new tab)Apply for Yes Bank Marquee Credit Card(opens in new tab)