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AU Traverse vs Zenith 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.

AU Traverse Credit Card versus AU Zenith Credit Card compared
FeatureAU Traverse Credit CardAU Traverse Credit CardAU Small Finance Bank4 recent changes →
AU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
Rewards by spend
Rewards0.5% base, up to 1% on foreign spends0.75% base, up to 1.25% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.5%0.75%
Dining and food delivery0.5%1.25%
Groceries0.5%1.25%
Travel: flights, hotels, trains0.5%0.75%
FuelsameEarns nothingEarns nothing
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.5%0.25%
School and college feessameEarns nothingEarns nothing
Wallet top-ups0.5%0.75%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%1.25%
Everything else0.5%0.75%
Card identity
Card typeInternationalDining
NetworksameVisaVisa
Card tiersamePremiumPremium
Fees
Joining fee₹4,999 + GST₹7,999 + GST
Annual fee₹4,999 + GST₹7,999 + GST
Fee waived at₹6,00,000₹5,00,000
Eligibility
Min age18 years21 years
Max age75 years65 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹250₹100
Lounge access
Domestic lounge visitssame88
International lounge visitssame88
Railway lounge visits-8
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition2 complimentary domestic and international airport lounge visits per quarterSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup0.99%3.49%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPassport and valid visa / NRI status proof PAN card or Form 60 NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank Overseas / Indian address proofPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Traverse Credit Card
Rewards a year
₹1,500
Fee a year
- ₹5,899
You keep
- ₹2,622
AU Zenith Credit Card
Rewards a year
₹2,112
Fee a year
- ₹9,439
You keep
- ₹7,327

At this spend, AU Traverse Credit Card comes out ₹4,705 a year ahead of AU Zenith 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

AU Traverse Credit Card
  • Foreign spends: 1% back
  • Spending ₹50,000 or more a month: the ₹5,899 fee is waived
  • Flyers: 16 airport lounge visits a year
  • Spending abroad: 0.99% markup, most cards add 3.5%
AU Zenith Credit Card
  • High spenders who can reach Rs 5 lakh a year
  • Occasional international travellers
  • People who want concierge service

Watch-Outs

AU Traverse Credit Card
  • Skip it if you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on foreign spends: the 1% rate applies only there, everything else earns 0.5%
AU Zenith Credit Card
  • Reward rates were cut in January 2026
  • No points on rent, fuel, education, government, EMI or BBPS bills
  • Domestic lounges need Rs 50,000 spend in the previous quarter
  • ₹7,999 fee is steep if you miss the waiver

Card data sourced via CardAdvisor.in (AU Traverse Credit Card, AU Zenith Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Traverse Credit Card or AU Zenith Credit Card?

AU Traverse Credit Card. AU Traverse Credit Card: ₹4,999; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Traverse Credit Card has the lowest forex markup. AU Traverse Credit Card: 0.99%; AU Zenith 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: AU Zenith Credit Card 0.75%, AU Traverse Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Traverse Credit Card: 8 domestic lounge visits a year; AU Zenith Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

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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