Which card has a lower forex fee: AU Zenith+ Credit Card or SBI Card ELITE?

AU Zenith+ Credit Card has lower forex markup (0.99% vs 1.99%).

Which card has a lower annual fee: AU Zenith+ Credit Card or SBI Card ELITE?

Both cards have the same annual fee (₹4,999).

Which card offers better lounge access?

AU Zenith+ Credit Card: 2 per quarter domestic lounge. SBI Card ELITE: 8 per year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

AU Small Finance Bank Zenith+ vs SBI Card ELITE Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank Zenith+ and the SBI Card ELITE. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel AU Small Finance Bank Zenith+ Forex AU Small Finance Bank Zenith+

Quick comparison

Three core metrics

Zenith+ AU Small Finance Bank

Annual fee ₹4,999 Waivable at ₹8,00,000 spend
Forex markup 0.99%
Domestic lounge 2/quarter

ELITE SBI Card

Annual fee ₹4,999 Waivable at ₹10,00,000 spend
Forex markup 1.99%
Domestic lounge 8/year

Reward earning explained

Per card

Zenith+

3 pts / ₹100 on General spend

ELITE

2 pts / ₹100 on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank Zenith+: ₹4,999 vs SBI Card ELITE: ₹4,999), forex markup (0.99% vs 1.99%), or lounge access (2/quarter vs 8/year).

Travel AU Small Finance Bank Zenith+ wins

AU Small Finance Bank Zenith+ is better for travel

AU Small Finance Bank Zenith+ is stronger here. Forex markup is 0.99%.
Forex markup AU Small Finance Bank Zenith+ wins

AU Small Finance Bank Zenith+ is better for forex

AU Small Finance Bank Zenith+ is stronger here. Forex markup is 0.99%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter. Domestic lounge access is 8 per year.
Rewards Tie

Both cards are similar for rewards

Base earn is 3 pts per ₹100. Base earn is 2 pts per ₹100.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

AU Zenith+: Base earn not clearly specified
SBI ELITE: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Zenith+ AU Small Finance Bank	ELITE SBI Card
Lounge Access
Domestic lounge visits 2/quarter vs 8/year	2/quarter	8/year
International lounge visits 8/year vs 6/year	8/year	6/year
Forex / International Use
Forex markup Source agreement differs — verify both. 0.99% vs 1.99%	0.99%	1.99%
Fees
Annual fee	₹4,999	₹4,999
Joining fee	₹4,999	₹4,999
Fee waiver spend ₹8,00,000 vs ₹10,00,000	₹8,00,000	₹10,00,000
Rewards
Points per ₹100 3 pts vs 2 pts	3 pts	2 pts

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.