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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.
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Last updated: 18 July 2026

Both AU Zenith+ Credit Card and SBI Card Miles Elite 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 Miles Elite costs ₹4,999 + GST and earns 6 Travel Credits for every ₹200 spent on travel & 2 Travel Credits for every ₹200 on other spends. AU Zenith+ Credit Card also brings 16 complimentary Domestic Airport Lounge accesses annually (max 4 per calendar quarter), while SBI Card Miles Elite counters with 8 complimentary visits/year (max 2/quarter) + up to 15 additional visits based on spends. 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 Miles Elite
SBI Card Miles Elite

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 is reversed on spending Rs. 15 Lakh in a membership year.
Foreign Transaction Fees0.99% of the transaction amount.
Foreign Transaction Fees1.99% on international usage.
Interest Rate (APR)1.99% Per Month or 23.88% Per Annum.
Interest Rate (APR)3.50% Per Month (42% Per Annum)

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 5,000 Travel Credits on spends of Rs. 1 lakh within 60 days of card issuance.
Rewards RateEarn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions; 1 Reward Point per ₹100 on others.
Rewards RateEarn 6 Travel Credits for every Rs. 200 spent on travel; 2 Travel Credits for every Rs. 200 on other purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeRs. 99

Travel & Lifestyle

Domestic Lounge Access16 complimentary domestic lounge access per annum (maximum 4 per quarter).
Domestic Lounge Access8 complimentary visits each year (max 2 per quarter). Additional visits on milestone spends.
International Lounge Access16 complimentary international lounge access annually with Priority Pass (max 4/quarter).
International Lounge Access6 complimentary visits each year (max 2 per quarter). Complimentary Priority Pass membership.
Travel Benefits4 Complimentary Airport Meet & Assist Concierge Services Annually. Taj Epicure Membership on spending ₹12 Lakhs.
Travel BenefitsGenerous rewards on travel, lounge access, low foreign exchange markup, and comprehensive travel insurance.
Movie Benefits16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
Movie Benefits
Dining BenefitsEarn 2 Reward Points per ₹100 spent on Dining. 25% off on Food and beverages with Taj Epicure Membership.
Dining Benefits
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 Waiver1% Waiver (Maximum of Rs. 500 Per 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 BenefitsUp to 6 flight cancellations, lost card liability, air accident cover, and baggage insurance.
Cash Advance ChargesNone.
Cash Advance Charges2.5% or Rs. 500 (Whichever is Higher)
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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 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 Miles Elite is a premium travel credit card designed for frequent flyers, offering generous rewards on travel, extensive lounge access, and comprehensive travel insurance. It provides a welcome bonus of 5,000 Travel Credits and a low foreign exchange markup, making it ideal for those prioritizing travel benefits and global utility.

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.

Substantial welcome bonus of 5,000 Travel Credits on initial spends.

Extensive complimentary domestic and international airport lounge access.

Low foreign currency markup of 1.99% makes international spends economical.

Comprehensive travel insurance covers flight cancellations and baggage issues.

Available on RuPay network, enabling seamless UPI payments for convenience.

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.

Reward earning rate on general spends is not highly competitive compared to peers.

Lacks specific additional benefits for popular categories like movies or dining.

High joining and renewal fees of Rs. 4,999 + taxes may deter some users.

Travel Credits have varying redemption values, which can be confusing for users.

Complimentary Priority Pass membership is only valid for the first two years.

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 Miles Elite(opens in new tab)