CardHungry

Side-by-side · honest numbers

AU Zenith Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of AU Zenith Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

AU Zenith Credit Card

AU Small Finance Bank

SBI Card against Fixed Deposit

SBI Card

Your adjusted comparison

Feature
AU Zenith Credit Card

AU Zenith Credit Card

AU Small Finance Bank

SBI Card against Fixed Deposit credit card

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹7,999Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹8,478/yr₹1,440/yr
Travel₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)—
Top reward rate3X points/₹15080% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarterNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

AU Zenith Credit Card details →SBI Card against Fixed Deposit details →

Share this comparison

https://cardhungry.com/in/en/compare/au-zenith-vs-sbi-fd-secured

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads AU Zenith Credit Card by about ₹9,918/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

AU Zenith Credit Card vs SBI Card against Fixed Deposit comparison table
FeatureAU Zenith Credit Card

AU Small Finance Bank

SBI Card against Fixed Deposit

SBI Card

Fees & eligibility
Annual fee₹7,999Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹75,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)-₹8,478/yr₹1,440/yr
Travel₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)—
Top reward rate3X points/₹15080% of FD value
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge access8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarterNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
SBI Card against Fixed Deposit leads with an estimated ₹1,440/yr net annual value on moderate spend.
Which card has the lower income requirement?
AU Zenith Credit Card lists a minimum monthly income of ₹75,000.
Which cards are secured (FD-backed)?
SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More AU Zenith Credit Card comparisons