AU Zenith+ vs PNB Rupay Platinum
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 | Punjab National Bank |
| Card Type | Super Premium | Entry Level |
| Annual Fee | ₹7,999 + GST | ₹299 + GST |
| Joining Fee | ₹7,999 + GST | ₹99 + GST |
| Rewards | 4.5% value back on select categories | 2 reward points per ₹100 on all spends |
| Best For | Premium Lifestyle | Budget Users |
| 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 - ₹1,50,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | None |
| Min Income | ₹50,000/month | ₹12,000/month |
| Lounge Access | 8 domestic + 4 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.4 | 3.9 |
| 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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 PNB Rupay Platinum?
AU Zenith+ has the higher CardKhoj rating (4.4/5) and is best for premium lifestyle. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and PNB Rupay Platinum offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. PNB Rupay Platinum: no complimentary lounge access.
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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