Union Bank Nexteria (RuPay Ekaa) vs AU Zenith Plus

Compare Union Bank Nexteria (RuPay Ekaa) vs AU Zenith Plus across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

AU Zenith Plus has the strongest mix of rewards and low fees in this comparison.

Card 1

Union Bank Nexteria (RuPay Ekaa)

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

AU Zenith Plus

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Premium stack10.0

union / RUPAY

Union Bank Nexteria (RuPay Ekaa)

Annual

₹12,499

Return

Lounges

Unlimited

Forex

3.5%

Card summary

Union Bank Nexteria (RuPay Ekaa) leans travel and lifestyle with ₹12,499 annual fee, 1% headline return potential, and Unlimited lounge access.

Pros

Strong benefit ceiling if you recover the ₹12,499 annual fee.
1% cashback keeps value easy to understand.
Unlimited lounge access adds travel utility.

Cons

3.5% forex markup can reduce overseas value.
Higher ₹25,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details

Balanced value10.0

au / VISA

AU Zenith Plus

Annual

₹4,999

Return

4.5%

Lounges

Forex

1.99%

Card summary

AU Zenith Plus leans travel and lifestyle with ₹4,999 annual fee, 4.5% headline return potential, and 24 lounge access.

Pros

Strong benefit ceiling if you recover the ₹4,999 annual fee.
4.5% reward rate can outperform flat cashback for loyal users.
24 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Higher ₹15,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

Union Bank Nexteria (RuPay Ekaa)

AU Zenith Plus

Fees

Annual fee

₹12,499

₹4,999

Joining fee

₹12,499

₹4,999

Rewards

Cashback rate

Reward rate

4.5%

Travel

Forex markup

3.5%

1.99%

Domestic lounges

Unlimited

International lounges

Unlimited

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹25,00,000

₹15,00,000

Union Bank Nexteria (RuPay Ekaa) vs AU Zenith Plus

Futuristic side-by-side card intelligence

Union Bank Nexteria (RuPay Ekaa)

AU Zenith Plus

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