Share

AU Zenith Credit Card vs KrisFlyer SBI 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 Zenith Credit Card versus KrisFlyer SBI Card compared
FeatureAU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
KrisFlyer SBI CardKrisFlyer SBI CardState Bank of India2 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.25% on dining0.5% base, up to 1.25% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.75%0.5%
Dining and food delivery1.25%0.5%
Groceries1.25%0.5%
Travel: flights, hotels, trains0.75%0.5%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%0.5%
School and college feesEarns nothing0.5%
Wallet top-ups0.75%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencysame1.25%1.25%
Everything else0.75%0.5%
Card identity
Card typeDiningInternational
NetworkVisaMastercard
Card tiersamePremiumPremium
Fees
Joining fee₹7,999 + GST₹2,999 + GST
Annual fee₹7,999 + GST₹2,999 + GST
Fee waived at₹5,00,000-
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits84
International lounge visits84
Railway lounge visits8-
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access4 complimentary domestic lounge visits a year (1 per quarter) plus Priority Pass (worth $99) with 4 international visits a year (max 1 per quarter). Membership is primary-cardholder only and complimentary for 2 years; a $27 usage fee applies per visit bey
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN 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 / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Zenith Credit Card
Rewards a year
₹2,112
Fee a year
- ₹9,439
You keep
- ₹7,327
KrisFlyer SBI Card
Rewards a year
₹1,656
Fee a year
- ₹3,539
You keep
- ₹1,883

At this spend, KrisFlyer SBI Card comes out ₹5,444 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 Zenith Credit Card
  • High spenders who can reach Rs 5 lakh a year
  • Occasional international travellers
  • People who want concierge service
KrisFlyer SBI Card
  • Foreign spends: 1.25% back
  • Flyers: 8 airport lounge visits a year

Watch-Outs

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
KrisFlyer SBI Card
  • Skip it if you spend less than ₹59,000 a month: below that the ₹3,539 fee costs more than the rewards
  • Skip it if most of your spending is fuel, utility bills, rent or wallet top-ups: 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 1.25% rate applies only there, everything else earns 0.5%

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

Questions People Ask

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

KrisFlyer SBI Card. KrisFlyer SBI Card: ₹2,999; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Credit Card has the lowest forex markup. AU Zenith Credit Card: 3.49%; KrisFlyer SBI Card: 3.5%. 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%, KrisFlyer SBI 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 Zenith Credit Card: 8 domestic lounge visits a year; KrisFlyer SBI Card: 4 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