AU Bank Zenith vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank Zenith wins 6-3. Underrated mid-premium, punches above its fee tier. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | AU Bank Zenith | Kotak White |
|---|---|---|
| Annual fee | · ₹7,500 | ₹3,000 |
| Joining fee | · ₹7,500 | ₹3,000 |
| Top reward rate | 10% (travel) | · Milestone |
| Base reward rate | 2% | · Milestone |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹800,000 / yr | ₹500,000 / yr |
| Min income | ₹1,200,000 | · ₹2,500,000 |
| Min credit score | 780 | · N/A |
| Editorial rating | 4.4/5 | · 4.3/5 |
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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›AU Bank Zenith vs Kotak White: which is better?
AU Bank Zenith wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›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, Kotak White 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 + Vistara Premium Economy ticket. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.