Head-to-head · 🇮🇳 India
AU Bank Zenith vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 3 of 10
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 5 of 10
Verdict
HDFC MoneyBack+ wins 5-3. Entry-level cashback with very low waiver bar. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹7,500 | ₹500 |
| Joining fee | · ₹7,500 | ₹500 |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | = 2% | = 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹800,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 780 | 720 |
| Editorial rating | 4.4/5 | · 4.1/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›AU Bank Zenith vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket. HDFC MoneyBack+: 500 CashPoints on first transaction.