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AU Zenith+ Credit Card VS SBI Card ELITE Advantage

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: 21 July 2026

Both AU Zenith+ Credit Card and SBI Card ELITE Advantage 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. SBI Card ELITE Advantage costs ₹4,999 + GST and earns 5X Reward Points on Dining, Departmental/Grocery spends; 2 RP per Rs. 100 on all other spends. AU Zenith+ Credit Card also brings 16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter), while SBI Card ELITE Advantage counters with 2 complimentary Domestic Airport Lounge visits every quarter in India. Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Zenith+ Credit Card
AU Zenith+ Credit Card
SBI Card ELITE Advantage
SBI Card ELITE Advantage

Fees & Charges

Joining Fee₹4,999 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹4,999 + 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 WaiverAnnual fee reversal on annual spends of Rs. 10 lakhs.
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction FeesLowest foreign currency mark-up charge of 1.99% on international usage.
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 BonusRs. 5,000 e-Gift Voucher, Rs. 6,000 movie tickets annually, and up to 50,000 bonus reward points.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
Rewards Rate5X Reward Points on dining, departmental stores, and grocery. 2 Reward Points per Rs. 100 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge Access2 complimentary domestic airport lounge visits every quarter.
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge Access6 complimentary international airport lounge visits per calendar year (max 2 per quarter).
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel BenefitsComplimentary Priority Pass, 6 international & 2 domestic lounge visits quarterly. Low 1.99% forex markup.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie BenefitsFree movie tickets worth Rs. 6,000 every year, valid on primary cards only.
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining Benefits5X Reward Points on dining. Up to 25% discount at 500+ restaurants.
Golf BenefitsUp to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
Golf Benefits4 complimentary green fees access, up to 50% off on games, 1 complimentary lesson per month.
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500-Rs. 4,000. Max waiver Rs. 250/month.

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 BenefitsComplimentary credit card fraud liability cover of Rs. 1 lakh.
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

SBI Card ELITE Advantage

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 SBI Card ELITE is a premium credit card issued by SBI Card, designed for individuals seeking exclusive lifestyle benefits, travel privileges, and a rewarding experience. Its key differentiating features include a substantial welcome e-Gift Voucher, complimentary movie tickets, and a generous bonus reward points program based on annual spending, coupled with extensive lounge access and a low foreign currency markup.

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.

Generous welcome benefits including a Rs. 5,000 e-Gift Voucher and Rs. 6,000 movie tickets.

Significant milestone benefits offering up to 50,000 bonus reward points annually.

Complimentary international (6 visits) and domestic (2 visits/quarter) airport lounge access.

Lowest foreign currency markup at 1.99% makes international spends more economical.

Accelerated 5X reward points on dining, departmental stores, and grocery 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.

Annual and renewal fees of Rs. 4,999 + taxes apply if spend-based waiver criteria are not met.

A usage fee of $27 + taxes is charged for international lounge visits beyond complimentary quota.

Priority Pass membership is valid for 2 years only, requiring re-evaluation thereafter.

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 SBI Card ELITE Advantage(opens in new tab)