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AU Zenith+ Credit Card VS RBL Bank World Safari Lite Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Zenith+ Credit Card
AU Zenith+ Credit Card
RBL Bank World Safari Lite Credit Card
RBL Bank World Safari Lite Credit Card

Fees & Charges

Joining Fee
₹4,999 + GST
₹1,000 + GST
Renewal Fee
₹4,999 + GST
₹1,000 + GST
Spend Based Waiver
Renewal fee waived on ₹8 Lakhs net retail spends in the previous card anniversary year.
Foreign Transaction Fees
Low 0.99% cross-currency foreign markup fee on all international transactions.
0% on all international transactions, saving significantly compared to other credit cards.
Interest Rate (APR)
1.99% per month or 23.88% per annum.

Rewards & Benefits

Welcome Bonus
Choose between Luxury Brand Vouchers or Reward Points worth ₹5,000 upon card activation.
Get gift vouchers worth INR 1,000+ upon making your first transaction within 30 days of card issuance. Includes Ixigo, Swiggy One, OTT Play vouchers.
Rewards Rate
Earn 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends.
Earn 1 RP per INR 100 on domestic travel; 5 RP per INR 100 on flights/hotels via RBL portal.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST.
INR 99 + GST per redemption instance. A one-time fee is charged for redemptions made in a single day.

Travel & Lifestyle

Domestic Lounge Access
16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter).
1 complimentary lounge visit every calendar quarter in India, activated on INR 50,000 spend in previous quarter.
International Lounge Access
16 complimentary International Airport Lounge accesses annually via Priority Pass (max 4 per quarter).
1 complimentary lounge visit every calendar quarter abroad, activated on INR 50,000 spend in previous quarter.
Travel Benefits
4 complimentary airport Meet & Assist services. Exclusive luxury stay offers with ITC Hotels & Elivaas.
5X Reward Points on flights and hotel bookings via RBL Bank Rewards Portal. Complimentary lounge access.
Movie Benefits
Up to 16 complimentary BOGO movie/event tickets from BookMyShow annually (max 4 per quarter).
Access to OTT Play for curated streaming experiences and exclusive benefits.
Dining Benefits
Up to 30% discount via Silver Spoon dining program & 25% off F&B with Taj Epicure Membership.
Swiggy One benefits for food delivery and other services.
Golf Benefits
8 complimentary golf games/lessons annually (up to 2 per calendar quarter).
Fuel Surcharge Waiver
1% fuel surcharge waiver up to ₹1,000 per statement cycle on transactions ₹400-₹5000.

Security & Other

Insurance Benefits
Air Accident Cover (₹2 Cr), Card Liability (₹15 Lakh), Credit Shield (₹15 Lakh), Purchase Protection (₹50k).
Cash Advance Charges
2.5% of transaction amount or minimum ₹100.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Zenith+ Credit Card

RBL Bank World Safari Lite Credit Card

Who is it for?

The AU Zenith+ Metal Credit Card is a premium offering for individuals seeking exclusive lifestyle privileges and tailored rewards. It's ideal for frequent travelers and high spenders, blending opulent benefits with a robust reward structure. Enjoy substantial welcome benefits, accelerated rewards on travel & dining, extensive lounge access, and comprehensive insurance. This card stands out for its luxury experience and value.

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.

Pros

Key benefits and features.

Offers a comprehensive suite of premium features and exclusive privileges across categories.

Generous welcome benefits of luxury brand vouchers or reward points worth ₹5,000.

Accelerated reward earnings on travel, dining, and international transactions provide great value.

Extensive travel benefits including lounge access, Meet & Assist, and low 0.99% forex markup.

Valuable milestone benefits like Taj Epicure Membership and bonus points on monthly spends.

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.

Cons

Key drawbacks and limitations.

Renewal benefits, including 5,000 bonus RP, will be discontinued from Nov 17, 2025.

International lounge access with Priority Pass is chargeable for domestic use within India.

Several important merchant categories like utilities and insurance are not eligible for reward points.

High monthly net income requirement of ₹2.5 Lakhs might limit accessibility for some users.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.