Head-to-head · 🇮🇳 India
AU Bank Zenith vs ICICI Platinum Chip
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 4 of 10
Verdict
AU Bank Zenith wins 5-4. Underrated mid-premium — punches above its fee tier. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | AU Bank Zenith | ICICI Platinum Chip |
|---|---|---|
| Annual fee | · ₹7,500 | No annual fee |
| Joining fee | · ₹7,500 | None |
| Top reward rate | 10% (travel) | · 0.5% (general) |
| Base reward rate | 2% | · 0.5% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = No welcome bonus — fee-free for life |
| Fee waiver threshold | ₹800,000 / yr | · N/A (no fee) |
| Min income | · ₹1,200,000 | ₹200,000 |
| Min credit score | · 780 | 700 |
| Editorial rating | 4.4/5 | · 3.6/5 |
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
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›AU Bank Zenith vs ICICI Platinum Chip: which is better?
AU Bank Zenith wins on more dimensions (5 vs 4). 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, ICICI Platinum Chip 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. ICICI Platinum Chip: No welcome bonus — fee-free for life.