AU Bank Zenith Vs Lit Vs Xcite Ultra CC Comparison: Which is better?

[Anindya98]

Features	Zenith	Lit	Xcite Ultra
Reward Points	20 points per INR 100 on dining, 10 points on international transactions, grocery and departmental stores, 5 points on other categories, 1 point on insurance and utility & telecom	Up to 10X reward points	4 points per INR 100 on offline spends, 8 points on online spends, 12 points on international spends, 1 point on utility & telecom and insurance spends
Milestone Benefits	INR 1,000 vouchers on a minimum INR 2 lakh retail spends per quarter, Complimentary Epicure Membership on a minimum of INR 8 lakh retail spends in a card anniversary year	Not specified	500 bonus Reward Points on retail spends of INR 5,000 done between 1st to 5th of every month, 5,000 bonus Reward Points on minimum retail spends of INR 2.5 Lacs in a card anniversary year
Lounge Access	2 complimentary lounge access per calendar quarter within India, 2 complimentary lounge access per calendar quarter using Priority Pass, 2 complimentary lounge access per calendar quarter at railway stations1	Not specified	8 complimentary lounge access per annum (maximum 2 per calendar quarter) within India, 8 complimentary lounge access per annum (maximum 2 per calendar quarter) at railway stations
Fuel Surcharge Waiver	1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum INR 1,000 per statement cycle)	Not specified	1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (maximum INR 200 per statement cycle)
Insurance Cover	Not specified	Not specified	Air Accident Cover ₹50 Lacs, Card Liability Cover, Credit Shield Up to ₹2 Lacs, Purchase Protection Up to ₹25,000
Other Benefits	Lower International Mark-Up Fees, Birthday Benefit, Dedicated Concierge Services	Customizable features, Switch features ON/OFF as you wish	Comprehensive Protection Cover (Air, Card Liability, Purchase Protection, Travel related covers, & Credit Shield), XpressEMI, Unlimited Fuel Surcharge Waiver

Please note that the benefits and features of these cards may vary based on the cardholder’s usage and eligibility. It’s always a good idea to check with the bank for the most up-to-date information.
Base 1RP =0.20P

AU Bank Zenith+ Credit Card – Key Features​

• Welcome Benefit: ₹5,000 worth of luxury brand vouchers or 5,000 reward points.
• Reward Points:
  
  • 2 RP per ₹100 on travel, dining, and international spends.
  • 1 RP per ₹100 on other retail spends.
  • 1 RP = ₹1 redemption value.
• Travel Benefits:
  
  • 16 complimentary domestic & international lounge visits annually.
  • 4 complimentary airport concierge services per year.
  • Low forex markup of 0.99%.
• Milestone Rewards:
  
  • 1,000 RP for spending ₹75K in a statement cycle.
  • Free Taj Epicure Membership on ₹12L annual spend.
• Lifestyle Privileges:
  
  • 16 ‘Buy One Get One’ BookMyShow movie tickets annually (max ₹500 per ticket).
  • 8 complimentary golf rounds/lessons per year.
• Other Perks:
  
  • 1% fuel surcharge waiver (up to ₹1,000 per cycle).
  • Insurance: ₹2 Cr air accident cover & ₹50K purchase protection.
  • 24/7 concierge services.
• Fees & Waiver:
  
  • ₹4,999 + GST (Joining & Annual Fee).
  • Annual fee waived on ₹8L annual spend.

This card is ideal for premium travelers and lifestyle spenders looking for luxury benefits. 🚀

 

[drsel]

Amazon pay is back, so the point value is now 25 paisa.
1000 Amazon pay for 4000 points when I checked last
It used to be 1000 Amazon pay for 5000 points earlier

 

[Anindya98]

Amazon pay is back, so the point value is now 25 paisa.
1000 Amazon pay for 4000 points when I checked last
It used to be 1000 Amazon pay for 5000 points earlier

Can you verify whats the base reward rate and the maximum how much can we extract?

 

[drsel]

Can you verify whats the base reward rate and the maximum how much can we extract?

Over 9% return if you choose apparel, bonus cashback and 10x online, after deducting the fees for all three categories.
Of course, you must use it for shopping for clothes and apparel worth 10000 in the 30 day cycle, not calendar month

Slightly lower return if you include grocery instead of apparel and then use it for online grocery worth 10000 in the 30 days cycle, not calendar month

 

[Anindya98]

Over 9% return if you choose apparel, bonus cashback and 10x online, after deducting the fees for all three categories

In case of AU LIT?

 

[drsel]

In case of AU LIT?

Yes it's the best card of AU Bank

 

[Anindya98]

Yes it's the best card of AU Bank

Y e S

 

[Curious_govou]

Au xcite ultra vs au lit ..which is best for Amazon?

 

[Anindya98]

Au xcite ultra vs au lit ..which is best for Amazon?

LIT is a good option if there are some spends planned where you can take advantage of the feature packs to get extra returns. Xcite Ultra is good for those occasional spends where you don't want to spend on LIT's feature packs.

 

[Animesh67]

LIT is a good option if there are some spends planned where you can take advantage of the feature packs to get extra returns. Xcite Ultra is good for those occasional spends where you don't want to spend on LIT's feature packs.

Use Lit with Feature packs

 

[Gau₹av]

Can you update it for Zenith+ ?

 

[Anindya98]

Can you update it for Zenith+ ?

AU Bank Zenith+ Credit Card – Key Features​

• Welcome Benefit: ₹5,000 worth of luxury brand vouchers or 5,000 reward points.
• Reward Points:
  
  • 2 RP per ₹100 on travel, dining, and international spends.
  • 1 RP per ₹100 on other retail spends.
  • 1 RP = ₹1 redemption value.
• Travel Benefits:
  
  • 16 complimentary domestic & international lounge visits annually.
  • 4 complimentary airport concierge services per year.
  • Low forex markup of 0.99%.
• Milestone Rewards:
  
  • 1,000 RP for spending ₹75K in a statement cycle.
  • Free Taj Epicure Membership on ₹12L annual spend.
• Lifestyle Privileges:
  
  • 16 ‘Buy One Get One’ BookMyShow movie tickets annually (max ₹500 per ticket).
  • 8 complimentary golf rounds/lessons per year.
• Other Perks:
  
  • 1% fuel surcharge waiver (up to ₹1,000 per cycle).
  • Insurance: ₹2 Cr air accident cover & ₹50K purchase protection.
  • 24/7 concierge services.
• Fees & Waiver:
  
  • ₹4,999 + GST (Joining & Annual Fee).
  • Annual fee waived on ₹8L annual spend.

This card is ideal for premium travelers and lifestyle spenders looking for luxury benefits. 🚀

 

[Gau₹av]

Zenith+ never given as LTF I think unlike the now severely devalued Zenith. Best to stick with AU Lit then

 

[Anindya98]

Zenith+ never given as LTF I think unlike the now severely devalued Zenith. Best to stick with AU Lit then

Yes, Lit will be the best choice as of now.

 

[2025]

Have anyone here got any credit limit increase in AU Lit?
I haven't got it in Last 2 years. Hence, wondering whether this facility exist in AU Lit!

 

[Gau₹av]

Have anyone here got any credit limit increase in AU Lit?
I haven't got it in Last 2 years. Hence, wondering whether this facility exist in AU Lit!

Yes I've heard of them giving auto LE to some. What I don't know is whether they ever give LE to pre-approved AU Lit card owners who got it without any income docs, SwipeUp or address verification

 

[2025]

Yes I've heard of them giving auto LE to some. What I don't know is whether they ever give LE to pre-approved AU Lit card owners who got it without any income docs, SwipeUp or address verification

Mine too same to same. Swipe up. No verification no docs. No auto hike. No manual hike either. Tried once. Rejected.