SBI ELITE vs AU Zenith+ vs OneCard Metal
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+ | OneCard Metal |
|---|---|---|---|
| Bank | SBI | AU Small Finance Bank | OneCard (FPL) |
| Card Type | Super Premium | Super Premium | Premium |
| Annual Fee | ₹4,999 + GST | ₹7,999 + GST | Lifetime Free |
| Joining Fee | ₹4,999 + GST | ₹7,999 + GST | Nil |
| Rewards | 2X reward points on dining, movies & grocery | 4.5% value back on select categories | 5X reward points on top 2 spend categories |
| Best For | Premium Lifestyle | Premium Lifestyle | Tech-Savvy Users |
| 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 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 5000 bonus reward points | ₹2,000 voucher on first ₹10,000 spend | None |
| Min Income | ₹60,000/month | ₹50,000/month | ₹20,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | 8 domestic + 4 international per year | 4 domestic 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 | 3.0% + GST |
| Add-On Card Fee | Free | Free | Not available |
| Rating | 4.6 | 4.4 | 4.6 |
| 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
OneCard Metal
Tech-Savvy Users
Visa • Premium
- Metal card — no annual fee ever
- Auto-detects your top spend categories for 5X
- Real-time spend analytics in app
- Instant EMI conversion on any purchase
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.