SBI ELITE vs AU Zenith+ vs BoB Eterna
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI ELITE | AU Zenith+ | BoB Eterna |
|---|---|---|---|
| Bank | SBI | AU Small Finance Bank | Bank of Baroda |
| Card Type | Super Premium | Super Premium | Premium |
| Annual Fee | ₹4,999 + GST | ₹7,999 + GST | ₹2,499 + GST |
| Joining Fee | ₹4,999 + GST | ₹7,999 + GST | ₹2,499 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 4.5% value back on select categories | 6 reward points per ₹100 on all spends |
| Best For | Premium Lifestyle | Premium Lifestyle | Travel & Dining |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹2,00,000 - ₹10,00,000 | ₹1,50,000 - ₹5,00,000 |
| Welcome Benefit | 5000 bonus reward points | ₹2,000 voucher on first ₹10,000 spend | 2000 bonus reward points |
| Min Income | ₹60,000/month | ₹50,000/month | ₹40,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | 8 domestic + 4 international per year | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 4.4 | 4.3 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
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
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.