Share

AU Xcite Ultra 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 Xcite Ultra Credit Card versus AU Zenith Plus Credit Card compared
FeatureAU Xcite Ultra Credit CardAU Xcite Ultra Credit CardAU Small Finance Bank5 recent changes →
AU Zenith Plus Credit CardAU Zenith Plus Credit CardAU Small Finance Bank4 recent changes →
Rewards by spend
Rewards1% base, up to 3% on foreign spends1% base, up to 2% on dining
UPI payments (scan and pay)1%Earns nothing
Online shopping2%1%
Dining and food delivery1%2%
Groceriessame1%1%
Travel: flights, hotels, trains1%2%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%1%
RentEarns nothing1%
Insurance premiums0.25%1%
School and college feesEarns nothing1%
Wallet top-upssame1%1%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency3%2%
Everything elsesame1%1%
Card identity
Card typeInternationalDining
NetworkRuPayVisa
Card tierMidPremium
Fees
Joining fee₹749 + GST₹4,999 + GST
Annual fee₹749 + GST₹4,999 + GST
Fee waived at₹2,00,000₹8,00,000
Eligibility
Min agesame21 years21 years
Max agesame65 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₹100₹1,000
Lounge access
Domestic lounge visits816
International lounge visits016
Railway lounge visits8-
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access4 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 markup3.49%0.99%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%1.99%
Interest rate (annual)45%23.88%
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
ApplyApply NowApply Now

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 Plus Credit Card
Rewards a year
₹3,000
Fee a year
- ₹5,899
You keep
- ₹2,899

At this spend, AU Xcite Ultra Credit Card comes out ₹6,506 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 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 Plus Credit Card
  • Frequent flyers
  • High earners who spend abroad
  • Golfers

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 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 Xcite Ultra 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 Xcite Ultra Credit Card or AU Zenith Plus Credit Card?

AU Xcite Ultra Credit Card. AU Xcite Ultra Credit Card: ₹749; AU Zenith Plus Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Plus Credit Card has the lowest forex markup. AU Zenith Plus Credit Card: 0.99%; AU Xcite Ultra 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 Plus Credit Card 1%. 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 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.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works