AU Zenith+ vs SC Ultimate vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SC Ultimate
4.7
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | AU Zenith+ | SC Ultimate | SC DigiSmart |
|---|---|---|---|
| Bank | AU Small Finance Bank | Standard Chartered | Standard Chartered |
| Card Type | Super Premium | Super Premium | Cashback |
| Annual Fee | ₹7,999 + GST | ₹5,000 + GST | Lifetime Free |
| Joining Fee | ₹7,999 + GST | ₹5,000 + GST | Nil |
| Rewards | 4.5% value back on select categories | 3.33% rewards value on all spends | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Premium Lifestyle | Luxury Travel | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 | ₹5,00,000 - ₹20,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend | 10,000 reward points on first ₹20,000 spend | None |
| Min Income | ₹50,000/month | ₹1,00,000/month | ₹20,000/month |
| Lounge Access | 8 domestic + 4 international per year | Unlimited domestic + international (Priority Pass) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.4 | 4.7 | 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
Our Pick
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.