Head-to-head · 🇮🇳 India
AU Bank Zenith vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 4 of 10
IN
SBI Card
SBI Prime
Wins 5 of 10
Verdict
SBI Prime wins 5-4. Step up from SimplyClick with lounge access. AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | SBI Prime |
|---|---|---|
| Annual fee | · ₹7,500 | ₹2,999 |
| Joining fee | · ₹7,500 | ₹2,999 |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | 2% | · 1.25% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹800,000 / yr | ₹300,000 / yr |
| Min income | · ₹1,200,000 | ₹480,000 |
| Min credit score | · 780 | 750 |
| Editorial rating | 4.4/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›AU Bank Zenith vs SBI Prime: which is better?
SBI Prime 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, SBI Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).