- Annual fee ₹4,999 Waivable at ₹8,00,000 spend
- Forex markup 0.99%
- Domestic lounge 2/quarter
Pairwise comparison
Compare 3+ cards →
AU Small Finance Bank Zenith+ vs SBI Card Miles Elite Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith+ and the SBI Card Miles 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- Annual fee ₹4,999 Waivable at ₹15,00,000 spend
- Forex markup 1.99%
- Domestic lounge 8/year
Reward earning explained
Per card3 pts / ₹100 on General spend
2 pts / ₹100 on General spend
Pick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith+: ₹4,999 vs SBI Card Miles Elite: ₹4,999), forex markup (0.99% vs 1.99%), or lounge access (2/quarter vs 8/year).
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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%.
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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%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter. Domestic lounge access is 8 per year.
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Rewards Tie Both cards are similar for rewards
Base earn is 3 pts per ₹100. Estimated base reward value is ~1% on base spend.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- SBI Miles Elite: ~₹1,000/month at base rate
- AU Zenith+: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Zenith+ AU Small Finance Bank | Miles 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 ₹15,00,000 | ₹8,00,000 | ₹15,00,000 |
| Rewards | ||
| Points per ₹100 3 pts vs 2 pts | 3 pts | 2 pts |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for SBI Miles Elite | Not specified | ₹1 |
| Point validity Only available for SBI Miles Elite | Not specified | 2 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.