Head-to-head · 🇮🇳 India
AU Bank Zenith vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 3 of 10
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 5 of 10
Verdict
HDFC MoneyBack+ wins 5-3. Entry-level cashback with very low waiver bar. AU Bank Zenith is still the right call if underrated mid-premium, punches above its fee tier..
Side-by-side
| Criterion | AU Bank Zenith | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | · ₹7,500 | ₹500 |
| Joining fee | · ₹7,500 | ₹500 |
| Top reward rate | 10% (travel) | · 5% (shopping) |
| Base reward rate | = 2% | = 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹800,000 / yr | ₹50,000 / yr |
| Min income | · ₹1,200,000 | ₹240,000 |
| Min credit score | · 780 | 720 |
| Editorial rating | 4.4/5 | · 4.1/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›AU Bank Zenith vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use AU Bank Zenith for its best categories, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank Zenith: 7,500 reward points. HDFC MoneyBack+: 500 CashPoints on first transaction.