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AU Traverse vs Zenith Plus 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 Plus Credit Card compared
FeatureAU Traverse Credit CardAU Traverse Credit CardAU Small Finance Bank4 recent changes →
AU Zenith Plus Credit CardAU Zenith Plus Credit CardAU Small Finance Bank4 recent changes →
Rewards by spend
Rewards0.5% base, up to 1% on foreign spends1% base, up to 2% on dining
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.5%1%
Dining and food delivery0.5%2%
Groceries0.5%1%
Travel: flights, hotels, trains0.5%2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%1%
RentEarns nothing1%
Insurance premiums0.5%1%
School and college feesEarns nothing1%
Wallet top-ups0.5%1%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%2%
Everything else0.5%1%
Card identity
Card typeInternationalDining
NetworksameVisaVisa
Card tiersamePremiumPremium
Fees
Joining feesame₹4,999 + GST₹4,999 + GST
Annual feesame₹4,999 + GST₹4,999 + GST
Fee waived at₹6,00,000₹8,00,000
Eligibility
Min age18 years21 years
Max age75 years65 years
Employment typesameBOTHBOTH
Min monthly salary-₹2,50,000
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹250₹1,000
Lounge access
Domestic lounge visits816
International lounge visits816
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition2 complimentary domestic and international airport lounge visits per quarter4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter via Priority Pass (16/year), unconditional with no spend gate
Forex and international
Forex markupsame0.99%0.99%
Interest and charges
Interest rate (monthly)3.75%1.99%
Interest rate (annual)45%23.88%
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 Plus Credit Card
Rewards a year
₹3,000
Fee a year
- ₹5,899
You keep
- ₹2,899

At this spend, AU Traverse Credit Card comes out ₹277 a year ahead of AU Zenith Plus 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 Plus Credit Card
  • Frequent flyers
  • High earners who spend abroad
  • Golfers

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 Plus Credit Card
  • Needs a monthly income of around ₹2,50,000
  • Waiver needs Rs 8 lakh a year
  • ₹4,999 fee from the second year if you miss the waiver

Card data sourced via CardAdvisor.in (AU Traverse Credit Card, AU Zenith Plus 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 Plus Credit Card?

They charge the same annual fee. AU Traverse Credit Card: ₹4,999; AU Zenith Plus Credit Card: ₹4,999.

Which is better for spending abroad?

AU Traverse Credit Card has the lowest forex markup. AU Traverse Credit Card: 0.99%; AU Zenith Plus Credit Card: 0.99%. 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 Plus Credit Card 1%, 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 Plus Credit Card: 16 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.

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