AU InstaPay vs SBM ZET Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  AU InstaPay Credit CardAU Small Finance Bank4 recent changes → |  SBM ZET Credit Card4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% on most spends | 2% on most spends | |
| UPI payments (scan and pay) | 1% | 2% | |
| Online shopping | 1% | 2% | |
| Dining and food delivery | 1% | 2% | |
| Groceries | 1% | 2% | |
| Travel: flights, hotels, trains | 1% | 2% | |
| Fuelsame | Not stated | Not stated | |
| Bills and rechargessame | Not stated | Not stated | |
| Rentsame | Not stated | Not stated | |
| Insurance premiumssame | Not stated | Not stated | |
| School and college feessame | Not stated | Not stated | |
| Wallet top-upssame | Not stated | Not stated | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 1% | 2% | |
| Everything else | 1% | 2% | |
| Card identity | |||
| Card type | Cashback | Secured | |
| Networksame | RuPay | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual feesame | Free | Free | |
| Lifetime freesame | Yes | Yes | |
| Eligibility | |||
| Min age | - | 18 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Cashback | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Fuel waiver cap | ₹100 | - | |
| Forex and international | |||
| Forex markup | 3.49% | 2.49% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| UPI note | - | 2% on ZET UPI payments only with the paid ZET Plus plan (Rs 3 a day plus GST). | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.5% | |
| Interest rate (annual) | 45% | 42% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Existing AU Small Finance Bank credit card | PAN card Aadhaar / valid address proof | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBM ZET Credit Card comes out ₹2,400 a year ahead of AU InstaPay Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Anyone who wants no annual fee, ever
- First-time borrowers with no credit history
- Students and new earners
- People rebuilding a low credit score
- UPI users who want a credit line
Watch-Outs
- Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
- Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
- Credit limit is capped at 90% of your deposit
- UPI cashback needs the paid ZET Plus plan
- Food delivery discounts are small and capped
Card data sourced via CardAdvisor.in (AU InstaPay Credit Card, SBM ZET Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, AU InstaPay Credit Card or SBM ZET Credit Card?
They charge the same annual fee. AU InstaPay Credit Card: no annual fee; SBM ZET Credit Card: no annual fee.
Which is better for spending abroad?
SBM ZET Credit Card has the lowest forex markup. SBM ZET Credit Card: 2.49%; AU InstaPay Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBM ZET Credit Card 2%, AU InstaPay Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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