Credit CardsComparisons

AU Bank Zenith+ Credit Card vs SBI Card PRIME

A head-to-head comparison of AU Bank Zenith+ Credit Card and SBI Card PRIME across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

AU Bank Zenith+ Credit Card

Super-Premium Lounge Access & International Travel

Annual Fee

₹4,999

Reward Rate

2 RP per ₹100 on travel & dining (~0.5% at standard redemption)

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PremiumCard B

SBI Card PRIME

Dining & Lounge Lovers

Annual Fee

₹2,999

Reward Rate

10 RP per ₹100 on dining & movies

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Feature comparison

Feature	AU Bank	SBI Card
Annual Fee	₹4,999 + GST (₹5,000 welcome voucher offsets year-1 fee; year-2+ waived on ₹8L annual spend)	₹2,999 + GST (Waived on ₹3L annual spend)
Reward Rate	2 RP per ₹100 on travel & dining (~0.5% at standard redemption)	10 RP per ₹100 on dining & movies
Best For	Super-Premium Lounge Access & International Travel	Dining & Lounge Lovers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

Category	AU Bank	SBI Card
Groceries
Dining
Movies & entertainment
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose AU Bank Zenith+ Credit Card if:

You spend heavily on domestic travel
You spend heavily on international travel
You spend heavily on concierge service

Choose SBI Card PRIME if:

Lower annual fee (₹2,999 vs ₹4,999)
You spend heavily on dining
You spend heavily on groceries
You spend heavily on movies & entertainment

Full pros & cons

AU Bank Zenith+ Credit Card

What's good

16 domestic lounge visits/year (4/quarter) + 16 international lounge visits/year via Priority Pass
0.99% forex markup — one of the lowest on any Indian credit card
₹5,000 luxury welcome voucher on activation — effectively makes year-1 fee-free
Airport meet-and-assist service on arrival and departure
2 railway lounge visits/quarter (no spend trigger); ₹2 crore air accident insurance

Watch out for

₹8L annual spend required for fee waiver from year 2 — extremely high bar
Standard reward rate (~0.5% effective) is unimpressive for a ₹5K-fee card — reward earning is not the selling point
₹99 + GST redemption fee per transaction reduces effective rewards value
Caution: the regular Zenith card underwent a major devaluation in January 2026 — ensure you apply for Zenith+, not the standard Zenith

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SBI Card PRIME

What's good

10 RP per ₹100 on dining, groceries, departmental stores & movies (2.5% effective value at ₹0.25/point)
8 domestic lounge visits/year (max 2/quarter) + 4 international via Priority Pass (max 2/quarter)
Welcome e-gift vouchers worth ₹3,000 (Shoppers Stop, Bata, Pantaloons, Yatra, etc.)

Watch out for

Base earn rate on non-accelerated categories is only 2 RP per ₹100 (0.5% value)
Fuel transactions are completely excluded from earning reward points
Quarterly milestone Pizza Hut voucher (₹1,000 on ₹50K spend) requires consistent high spending

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