HDFC AllMiles vs AU Small Finance Bank Zenith Credit Card

• Accumulate Three reward points for every Rs 150 you spend
• 2x reward points will be given for hotel bookings, mobile recharge, and shopping
• On fuel transactions get 1% Fuel Surcharge waiver. Minimum transaction of Rs. 400, Maximum Cashback of Rd. 500 per statement cycle
• With the EMV Chip Card technology, you'll stay protected against unauthorized use of your credit card
• If you lost your credit card, be assured of zero liability after reporting the loss

* 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

Pros

• Get first year’s membership free by spending Rs 15,000 within the first 90 days
• Renew your membership free by spending Rs. 1,00,000 in a year
• Free access to over 600 exclusive airport lounges

Cons

• High-interest rate
• No golf privileges
• High renewal fees if you don’t spend Rs. 1 lakh in a year

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