AU Zenith+ vs BoB Select
Side-by-side credit card comparison to help you choose the best one.
AU Zenith+
Why this card wins: Premium Lifestyle — 4.5% value back on select categories
| Feature | ||
|---|---|---|
| Bank | AU Small Finance Bank | Bank of Baroda |
| Card Type | Super Premium | Entry Level |
| Annual Fee | ₹7,999 + GST | ₹499 + GST |
| Joining Fee | ₹7,999 + GST | ₹499 + GST |
| Rewards | 4.5% value back on select categories | 2 reward points per ₹100 spent |
| Best For | Premium Lifestyle | Everyday Spending |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | 500 reward points on first spend |
| Min Income | ₹50,000/month | ₹15,000/month |
| Lounge Access | 8 domestic + 4 international per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.4 | 4 |
| Contactless | ||
| EMI Conversion |
Key Features
AU Zenith+
Premium Lifestyle
Visa Signature • Super Premium
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
- Milestone bonus of ₹10,000 voucher on ₹5L spend
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Verdict
Based on rating and overall value, AU Zenith+ ranks highest among your selected cards. It excels at Premium Lifestyle and offers 4.5% value back on select categories.
Frequently asked questions
Which is better: AU Zenith+ or BoB Select?
AU Zenith+ has the higher CardKhoj rating (4.4/5) and is best for premium lifestyle. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and BoB Select?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and BoB Select offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. BoB Select: 2 domestic per year.
Which card is better for international spending?
AU Zenith+ has the lowest forex markup at 2.5% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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