Share

AU Zenith Plus Credit Card vs Doctor's 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 Plus Credit Card versus Doctor's SBI Card compared
FeatureAU Zenith Plus Credit CardAU Zenith Plus Credit CardAU Small Finance Bank4 recent changes →
Doctor's SBI CardDoctor's SBI CardState Bank of India5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on dining0.25% base, up to 1.25% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%0.25%
Dining and food delivery2%0.25%
Groceries1%0.25%
Travel: flights, hotels, trains2%0.25%; 1.25% only at Travel agencies & tour operators
FuelsameEarns nothingEarns nothing
Bills and recharges1%0.25%
Rent1%Earns nothing
Insurance premiums1%0.25%
School and college fees1%0.25%
Wallet top-ups1%Earns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency2%1.25%
Everything else1%0.25%
Card identity
Card typeDiningInternational
NetworksameVisaVisa
Card tierPremiumMid
Fees
Joining fee₹4,999 + GST₹1,499 + GST
Annual fee₹4,999 + GST₹1,499 + GST
Fee waived at₹8,00,000₹2,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Min monthly salary₹2,50,000-
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹1,000-
Lounge access
Domestic lounge visits164
International lounge visits164
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge condition4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter via Priority Pass (16/year), unconditional with no spend gateComplimentary Priority Pass membership (worth $99) with 4 international lounge visits a year (max 2 per quarter), plus a $27 usage fee after that. Access to 1,000+ lounges worldwide
Forex and international
Forex markup0.99%3.5%
Interest and charges
Interest rate (monthly)1.99%3.75%
Interest rate (annual)23.88%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 Medical registration proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Zenith Plus Credit Card
Rewards a year
₹3,000
Fee a year
- ₹5,899
You keep
- ₹2,899
Doctor's SBI Card
Rewards a year
₹1,212
Fee a year
₹0
You keep
₹1,212

At this spend, Doctor's SBI Card comes out ₹4,111 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 Zenith Plus Credit Card
  • Frequent flyers
  • High earners who spend abroad
  • Golfers
Doctor's SBI Card
  • Travel only at Travel agencies & tour operators: 1.25% back
  • Foreign spends: 1.25% back
  • Spending ₹16,667 or more a month: the ₹1,769 fee is waived
  • Flyers: 8 airport lounge visits a year

Watch-Outs

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
Doctor's SBI Card
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
  • Skip it if most of your spending is fuel, 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 spend a lot on government payments: the card's terms do not state a rate there, so we count nothing

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

Questions People Ask

Which has the lower annual fee, AU Zenith Plus Credit Card or Doctor's SBI Card?

Doctor's SBI Card. Doctor's SBI Card: ₹1,499; 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%; Doctor's 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 Plus Credit Card 1%, Doctor's SBI Card 0.25%. 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 Plus Credit Card: 16 domestic lounge visits a year; Doctor's 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