AU Zenith+ vs SBI SimplyCLICK
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 | SBI |
| Card Type | Super Premium | Cashback |
| Annual Fee | ₹7,999 + GST | ₹499 + GST |
| Joining Fee | ₹7,999 + GST | ₹499 + GST |
| Rewards | 4.5% value back on select categories | 10X Reward Points on online partners |
| Best For | Premium Lifestyle | Direct Online Shopping |
| 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 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | ₹500 Amazon gift card |
| Min Income | ₹50,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 4 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4.4 | 4.3 |
| 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 SimplyCLICK
Direct Online Shopping
Visa • Cashback
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
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 SBI SimplyCLICK?
AU Zenith+ has the higher CardKhoj rating (4.4/5) and is best for premium lifestyle. SBI SimplyCLICK is the better fit if your priority is direct online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: AU Zenith+ and SBI SimplyCLICK?
SBI SimplyCLICK is cheaper to hold at ₹499 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and SBI SimplyCLICK offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. SBI SimplyCLICK: 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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