AU Zenith+ vs SBI SimplySAVE
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 | Rewards |
| Annual Fee | ₹7,999 + GST | ₹499 + GST |
| Joining Fee | ₹7,999 + GST | ₹499 + GST |
| Rewards | 4.5% value back on select categories | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Premium Lifestyle | Everyday Spending |
| 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 bonus reward points |
| 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 | 4.2 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments 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 SimplySAVE?
AU Zenith+ has the higher CardKhoj rating (4.4/5) and is best for premium lifestyle. SBI SimplySAVE 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 SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹7,999 + GST for AU Zenith+.
Do AU Zenith+ and SBI SimplySAVE offer airport lounge access?
AU Zenith+: 8 domestic + 4 international per year. SBI SimplySAVE: 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.