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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.
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Last updated: 18 July 2026

Both AU Zenith+ Credit Card and RBL Bank World Safari Lite Credit Card suit travel-focused spenders, but they earn and cost differently. 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. 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. AU Zenith+ Credit Card also brings 16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter), while RBL Bank World Safari Lite Credit Card counters with 1 complimentary lounge visit every calendar quarter in India, activated on INR 50,000 spend in previous quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹1,000 + GST
Renewal Fee₹4,999 + GST
Renewal Fee₹1,000 + GST
Spend Based WaiverAnnual Charges are waived on spending ₹8 Lakh or more in the card anniversary year.
Spend Based Waiver
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction Fees0% on all international transactions, saving significantly compared to other credit cards.
Interest Rate (APR)1.99% Per Month or 23.88% Per Annum.
Interest Rate (APR)

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 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.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
Rewards RateEarn 1 RP per INR 100 on domestic travel; 5 RP per INR 100 on flights/hotels via RBL portal.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeINR 99 + GST per redemption instance. A one-time fee is charged for redemptions made in a single day.

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge Access1 complimentary lounge visit every calendar quarter in India, activated on INR 50,000 spend in previous quarter.
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge Access1 complimentary lounge visit every calendar quarter abroad, activated on INR 50,000 spend in previous quarter.
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel Benefits5X Reward Points on flights and hotel bookings via RBL Bank Rewards Portal. Complimentary lounge access.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie BenefitsAccess to OTT Play for curated streaming experiences and exclusive benefits.
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining BenefitsSwiggy One benefits for food delivery and other services.
Golf BenefitsUp to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹1,000 per statement cycle.
Fuel Surcharge Waiver

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 Benefits
Cash Advance ChargesNone.
Cash Advance Charges
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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 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 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.

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 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.

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.

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.

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 RBL Bank World Safari Lite Credit Card(opens in new tab)