Compare AU Zenith+ and SBI Card ELITE on annual fees, joining fees, rewards, benefits and important limitations.
AU Small Finance Bank
2 points per ₹100 on eligible travel, dining and foreign-currency purchases
Annual fee: ₹4,999 + GST (waived on ₹8 lakh qualifying annual spend)
Joining fee: ₹4,999 + GST
Network: Issuer-selected variant
AU Zenith+ is a paid card focused on travel benefits, dining rewards and airport lounge access, charging ₹4,999 annually before GST.
SBI Card
5X points on eligible dining, groceries and departmental-store purchases
Annual fee: ₹4,999 + GST (waived on ₹10 lakh eligible annual spend)
Joining fee: ₹4,999 + GST
Network: Issuer-selected variant
SBI Card ELITE is a paid card focused on travel benefits, dining rewards and airport lounge access, charging ₹4,999 annually before GST.
Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.