AU Zenith+ vs SBI CashBack Card
Side-by-side credit card comparison to help you choose the best one.
SBI CashBack Card
Why this card wins: Pure Cashback — 5% Cashback on ALL online spends
| Feature | ||
|---|---|---|
| Bank | AU Small Finance Bank | SBI |
| Card Type | Super Premium | Premium Cashback |
| Annual Fee | ₹7,999 + GST | ₹999 + GST |
| Joining Fee | ₹7,999 + GST | ₹999 + GST |
| Rewards | 4.5% value back on select categories | 5% Cashback on ALL online spends |
| Best For | Premium Lifestyle | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | None |
| Min Income | ₹50,000/month | ₹30,000/month |
| Lounge Access | 8 domestic + 4 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver (cap ₹100/month) |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹499 + GST |
| Rating | 4.4 | 4.5 |
| 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
SBI CashBack Card
Pure Cashback
Visa • Premium Cashback
- 1% cashback on offline spends
- Direct cashback credit to statement
- No merchant restrictions for 5% cashback
- Fuel surcharge waiver up to ₹100/month
Verdict
Based on rating and overall value, SBI CashBack Card ranks highest among your selected cards. It excels at Pure Cashback and offers 5% Cashback on ALL online spends.
Frequently asked questions
Which is better: AU Zenith+ or SBI CashBack Card?
SBI CashBack Card has the higher CardKhoj rating (4.5/5) and is best for pure cashback. AU Zenith+ is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and SBI CashBack Card?
SBI CashBack Card is cheaper to hold at ₹999 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and SBI CashBack Card offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. SBI CashBack Card: 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.
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.