AU Zenith+ vs ICICI Coral
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 | ICICI Bank |
| Card Type | Super Premium | Entry Level |
| Annual Fee | ₹7,999 + GST | ₹500 + GST |
| Joining Fee | ₹7,999 + GST | ₹500 + GST |
| Rewards | 4.5% value back on select categories | 2 points per ₹100 on all spends |
| Best For | Premium Lifestyle | First Time Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% 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 | None |
| Min Income | ₹50,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 4 international per year | 4 domestic per year (1/quarter) |
| 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 | 4.1 |
| 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
ICICI Coral
First Time Users
Visa • Entry Level
- 15% savings on dining bills
- 1 complimentary domestic lounge visit per quarter
- Complimentary railway lounge access
- Milestone reward points system
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 ICICI Coral?
AU Zenith+ has the higher CardKhoj rating (4.4/5) and is best for premium lifestyle. ICICI Coral is the better fit if your priority is first time users. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and ICICI Coral?
ICICI Coral is cheaper to hold at ₹500 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and ICICI Coral offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. ICICI Coral: 4 domestic per year (1/quarter).
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.
Related Articles
Top 10 High-Reward Credit Cards for Online Shopping in India (2026)
Maximize your savings with the best e-commerce credit cards. We compare Amazon Pay ICICI, HDFC Millennia, and more.
HDFC vs ICICI Credit Cards: Which Bank Offers More Value?
An in-depth battle of the banking giants. We compare reward points, lounge access, and fee structures of India's top issuers.
How to Get a Credit Card Without Income Proof or Salary Slip
Get a credit card even without salary proof. Explore FD-backed secured cards, prepaid cards, and add-on card options.
Best First Credit Card for Beginners with No Credit History
Starting your credit journey? Compare the best entry-level cards from HDFC, ICICI, SBI, and Axis for first-time users.