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| Feature | SBI Card SBI Card ELITE | 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 | ₹4,999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | At ₹10,00,000 annual spending | At ₹8,00,000 annual spending |
| Base reward rate | 0.5% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2.5% · Dining and grocery bonus | 2% · Travel, dining and international rewards |
| Groceries & essentials | 2.5% · Dining and grocery bonus | 1% · Other eligible rewards |
| International spending | 0.5% · Base reward points | 2% · Travel, dining and international rewards |
| Travel & hotels | 0.5% · Base 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 | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year | 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 | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. | High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver. |
| Main trade-off | 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. | 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.
