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AU Xcite Ultra 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 Xcite Ultra Credit Card versus AU Zenith Credit Card compared
FeatureAU Xcite Ultra Credit CardAU Xcite Ultra Credit CardAU Small Finance Bank5 recent changes →
AU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
Rewards by spend
Rewards1% base, up to 3% on foreign spends0.75% base, up to 1.25% on dining
UPI payments (scan and pay)1%Earns nothing
Online shopping2%0.75%
Dining and food delivery1%1.25%
Groceries1%1.25%
Travel: flights, hotels, trains1%0.75%
FuelsameEarns nothingEarns nothing
Bills and rechargessame0.25%0.25%
RentsameEarns nothingEarns nothing
Insurance premiumssame0.25%0.25%
School and college feessameEarns nothingEarns nothing
Wallet top-ups1%0.75%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency3%1.25%
Everything else1%0.75%
Card identity
Card typeInternationalDining
NetworkRuPayVisa
Card tierMidPremium
Fees
Joining fee₹749 + GST₹7,999 + GST
Annual fee₹749 + GST₹7,999 + GST
Fee waived at₹2,00,000₹5,00,000
Eligibility
Min agesame21 years21 years
Max agesame65 years65 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹100₹100
Lounge access
Domestic lounge visitssame88
International lounge visits08
Railway lounge visitssame88
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionsameSpend Rs 50,000 in the previous quarter for domestic lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markupsame3.49%3.49%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

AU Xcite Ultra Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,607
AU Zenith Credit Card
Rewards a year
₹2,112
Fee a year
- ₹9,439
You keep
- ₹7,327

At this spend, AU Xcite Ultra Credit Card comes out ₹10,934 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 Xcite Ultra Credit Card
  • Foreign spends: 3% back
  • Online shopping: 2% back
  • Spending ₹16,667 or more a month: the ₹884 fee is waived
  • Flyers: 8 airport lounge visits a year
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 Xcite Ultra Credit Card
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 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 rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
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 Xcite Ultra 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 Xcite Ultra Credit Card or AU Zenith Credit Card?

AU Xcite Ultra Credit Card. AU Xcite Ultra Credit Card: ₹749; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Xcite Ultra Credit Card has the lowest forex markup. AU Xcite Ultra Credit Card: 3.49%; 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 Xcite Ultra Credit Card 1%, AU Zenith Credit Card 0.75%. 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 Xcite Ultra 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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