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AU Zenith+ Credit Card VS SBI Card Miles Elite

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
SBI Card Miles Elite
SBI Card Miles Elite

Fees & Charges

Joining Fee
₹4,999 + GST
₹4,999 + GST
Renewal Fee
₹4,999 + GST
₹4,999 + GST
Spend Based Waiver
Renewal fee waived on ₹8 Lakhs net retail spends in the previous card anniversary year.
Annual fee reversal on annual spends of ₹15 Lakh in a membership year.
Foreign Transaction Fees
Low 0.99% cross-currency foreign markup fee on all international transactions.
1.99% on International usage
Interest Rate (APR)
1.99% per month or 23.88% per annum.
3.50% per month (42% per annum)

Rewards & Benefits

Welcome Bonus
Choose between Luxury Brand Vouchers or Reward Points worth ₹5,000 upon card activation.
Get 5,000 Travel Credits upon spending ₹1,00,000 within 60 days of issuance or joining fee payment.
Rewards Rate
Earn 2 RP per ₹100 on travel, dining, international; 1 RP per ₹100 on other retail spends.
Earn 6 Travel Credits for every ₹200 spent on travel & 2 Travel Credits for every ₹200 on other spends.
Reward Type
Reward Points
Travel Credits
Reward Redemption Fee
₹99 + GST.
₹99

Travel & Lifestyle

Domestic Lounge Access
16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter).
8 complimentary visits/year (max 2/quarter) + up to 15 additional visits based on spends.
International Lounge Access
16 complimentary International Airport Lounge accesses annually via Priority Pass (max 4 per quarter).
Complimentary Priority Pass & 6 visits/year (max 2/quarter) for the first two years.
Travel Benefits
4 complimentary airport Meet & Assist services. Exclusive luxury stay offers with ITC Hotels & Elivaas.
Enjoy low 1.99% forex markup, comprehensive travel insurance & flexible Travel Credits redemption.
Movie Benefits
Up to 16 complimentary BOGO movie/event tickets from BookMyShow annually (max 4 per quarter).
Not Applicable
Dining Benefits
Up to 30% discount via Silver Spoon dining program & 25% off F&B with Taj Epicure Membership.
Not Applicable
Golf Benefits
8 complimentary golf games/lessons annually (up to 2 per calendar quarter).
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver up to ₹1,000 per statement cycle on transactions ₹400-₹5000.
1% waiver for transactions between ₹500-₹4,000, max ₹500/month.

Security & Other

Insurance Benefits
Air Accident Cover (₹2 Cr), Card Liability (₹15 Lakh), Credit Shield (₹15 Lakh), Purchase Protection (₹50k).
Covers flight cancellations, lost card, air accident, baggage loss/delay & travel documents.
Cash Advance Charges
2.5% of transaction amount or minimum ₹100.
2.5% or ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Zenith+ Credit Card

SBI Card Miles Elite

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 SBI Card Miles Elite is a premium travel credit card tailored for frequent flyers, offering a rich suite of benefits. It provides extensive complimentary domestic and international lounge access, a low foreign currency markup of 1.99%, and comprehensive travel insurance. Cardholders earn Travel Credits which are flexibly redeemable across a wide network of airline and hotel partners. With attractive welcome and milestone benefits, it's a valuable companion for global journeys and maximizing travel privileges.

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.

Extensive complimentary lounge access, domestic (8+15) and international (6) annually.

Comprehensive travel insurance covering flight cancellations, baggage, and accidents.

Low foreign currency markup of 1.99% makes international spending cost-effective.

Flexible Travel Credits redemption for airline miles, hotel points, and bookings.

Available on RuPay network, enabling UPI linkage for seamless domestic transactions.

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.

Base reward earning rate of 2 Travel Credits on general spends is relatively modest.

Absence of specific benefits or discounts for popular categories like movies or dining.

Annual fee of ₹4,999 + GST is high, with a waiver requiring ₹15 Lakh annual spend.

Air Accident Cover will be discontinued from July 15, 2025, reducing a key benefit.

Rewards redemption fee of ₹99 applies, which slightly reduces the overall value.

Ready to Choose?

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