CheQ AU Credit Card VS AU Zenith+ Credit Card VS AU Altura Credit Card VS AU Vetta Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
AU Zenith+ Credit Card
AU Altura Credit Card
AU Vetta Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
India's first LED-enabled credit card offers a unique and visually engaging payment experience.
High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.
Lifetime free for the standard variant, making it an attractive option with no annual fees.
Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.
Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.
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 significant savings with up to 2% cashback on daily essential spends.
Benefit from a monthly milestone cashback of Rs. 50 on spending Rs. 10,000.
Access complimentary railway lounges in India, enhancing your travel experience.
Receive a 1% fuel surcharge waiver, providing savings on your fuel expenses.
Offers zero liability protection, safeguarding against unauthorized card use.
Pros
Key benefits and features.
High reward rate of 4X points on grocery and departmental store purchases, maximizing savings.
Enjoy complimentary domestic and international airport lounge access, enhancing travel comfort.
Benefit from comprehensive insurance coverage, including air accident and purchase protection.
Access a dedicated 24x7 global concierge service for travel, dining, and golf assistance.
Attractive milestone benefits reward consistent spending with bonus points and brand vouchers.
Cons
Key drawbacks and limitations.
Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.
Rewards are not applicable on several categories like fuel, education, gold, and rent payments.
Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.
Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.
No domestic or international airport lounge access on this card.
Applications for the LED card opened on April 28, 2026; the LED variant is now live on the CheQ app.
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.
Cashback earnings are capped per statement cycle, limiting overall savings potential.
No cashback is provided on key transaction types like fuel, rent, and wallet spends.
The card does not provide any complimentary airport lounge access.
A foreign currency markup of 3.49% applies to international spends.
Cons
Key drawbacks and limitations.
Reward points are not earned on essential categories like fuel, rent, education, and government spends.
Complimentary lounge access is conditional on achieving specific quarterly spending thresholds.
A redemption fee of ₹99 + GST is applicable for every reward point redemption transaction.
The foreign currency markup of 2.99% is standard and not competitive for international use.
High interest rate of 2.99% per month on revolving credit can be a significant drawback.