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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 | ₹4,999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹8,00,000 annual spending | At ₹10,00,000 annual spending |
| Base reward rate | 1% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2% · Travel, dining and international rewards | 2.5% · Dining and grocery bonus |
| Groceries & essentials | 1% · Other eligible rewards | 2.5% · Dining and grocery bonus |
| International spending | 2% · Travel, dining and international rewards | 0.5% · Base reward points |
| Travel & hotels | 2% · Travel, dining and international 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 | 16 domestic airport lounge visits per year • 16 international airport lounge visits per year | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 1.0% | 2.0% |
| Monthly income requirement | Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver. | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. |
| Main trade-off | The ₹4,999 fee needs ₹8 lakh annual spend for waiver, while Taj Epicure needs ₹12 lakh. Rent, education, government, fuel, EMI and cash transactions do not earn points; utility earning has a per-transaction limit. | 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.
