Head-to-head · 🇮🇳 India
AU Bank Zenith vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
AU Bank Zenith wins 6-3. Underrated mid-premium — punches above its fee tier. SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | AU Bank Zenith | SBI Aurum |
|---|---|---|
| Annual fee | ₹7,500 | · ₹9,999 |
| Joining fee | ₹7,500 | · ₹9,999 |
| Top reward rate | 10% (travel) | · 4% (general) |
| Base reward rate | · 2% | 4% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹800,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹3,500,000 |
| Min credit score | 780 | · 800 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›AU Bank Zenith vs SBI Aurum: which is better?
AU Bank Zenith wins on more dimensions (6 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, SBI Aurum 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. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.