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| Feature | SBI Card AURUM Credit Card | AU Small Finance Bank AU Bank Zenith+ Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | AU Small Finance Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹9,999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹12,00,000 annual spending | At ₹8,00,000 annual spending |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1% · Eligible AURUM Reward Points | 2% · Travel, dining and international rewards |
| International spending | 1% · Eligible AURUM Reward Points | 2% · Travel, dining and international rewards |
| Travel & hotels | 1% · Eligible AURUM Reward Points | 2% · Travel, dining and international rewards |
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 | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 16 domestic airport lounge visits per year • Unlimited international airport lounge visits | 16 domestic airport lounge visits per year • 16 international airport lounge visits per year |
| Forex markup | 2.0% | 1.0% |
| Monthly income requirement | Not listed | Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed |
| Terms verified | 24 Sept 2026 | 13 Sept 2026 |
| Best suited to | High-income frequent travellers who can use premium privileges every month and clear the fee waiver. | High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver. |
| Main trade-off | The ₹9,999 fee plus GST is waived only at ₹12 lakh annual spend. Rent, wallet, fuel, EMI and digital-gaming transactions earn no points, and lifestyle privileges are not added to ranking unless usage can be proven. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
