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| Feature | AU Small Finance Bank AU Bank Zenith Credit Card | SBI Card SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | SBI Card |
| Network | Visa + RuPay | Visa |
| Annual fee | ₹7,999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹5,00,000 annual spending | At ₹10,00,000 annual spending |
| Base reward rate | 0.8% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Dining rewards | 2.5% · Dining and grocery bonus |
| Groceries & essentials | 1.3% · Accelerated Zenith rewards | 2.5% · Dining and grocery bonus |
| International spending | 1.3% · Accelerated Zenith rewards | 0.5% · Base reward points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year • 8 international airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 2.0% | 2.0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent international airport lounge users who can spend enough to waive the premium annual fee. | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. |
| Main trade-off | The list fee is ₹7,999 plus tax, domestic airport lounge visits require ₹50,000 of preceding-quarter retail spend, and Priority Pass use within India is chargeable. | The ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
