AU Small Finance Bank Zenith Credit Card vs AXIS Bank IOCL Rupay Credit Card

* Gain 20 Reward Points per Rs.100 retail spends done on Dining at standalone restaurants
* Earn 10 Reward Points per Rs.100 retail spends done on International transactions, Grocery and Departmental stores
* Avail 5 Reward Points per Rs.100 retail spends done across all other merchant categories
* Quarterly Milestone Benefits: Get Rs. 1,000 vouchers on minimum Rs. 2 lakh retail spends that’s done per calendar quarter. Choose vouchers from a bouquet of top brands
* Yearly Milestone Benefits: Avail complimentary Epicure Membership of doing minimum Rs. 8 lakh retail spends in a card anniversary year
* Enjoy lower International foreign mark-up fees of 1.99% on International transactions
* Birthday Benefit: Get 2,500 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 2 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 4 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
• Earn Reward Points on UPI Payments by linking the card to UPI
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal
• 5 reward points per Rs. 100 spent on Online Shopping (basis MCC). Minimum transaction size eligible: Rs. 100
• 1 rewards points per Rs. 100 spent on all other spends. Maximum eligible spends 5000/month
• 1% Fuel surcharge waiver is applicable for fuel spends between Rs. 200 to Rs 5000
• Annual Fee waived off if spends more than Rs. 50000 per year
• 10% instant discount for movie ticket booked via BookMyshow website
• Enjoy up to 15% Discount on partner Restaurants via EazyDiner

Pros
* Get Air Accident Cover of up to Rs. 2 Crore, Card Liability Cover, get protected against Card Counterfeit/Skimming/Online frauds, and Credit Shield of up to Rs. 5 Lakhs
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Cons
* No golf privileges
* No Airmiles

Pros

• 100% cashback, up to Rs. 250, on all fuel spends within first 30 days of card issuance
• Earn up to 4% value back on fuel spends made at Indian Oil outlets (Rs. 100 = 20 Reward Points, max. 1000 Reward Points per month)
• 20 reward points per Rs. 100 on fuel spends on IOC Terminal

Cons

• No International Airport Lounge access
• No Golf benefits
• No travel miles benefits