Eligible spend
3 points per ₹100 on eligible spend
AU VISA
Zenith+
Should you get this?
Conditional fit
Why this card
- Forex markup is low at 0.99%.
- You travel frequently and will use the lounge benefits.
Trade-off
The annual fee (₹4,999) is waived only when eligible annual spend exceeds ₹8,00,000.
Annual fee ₹4,999 per year
Rewards 3 pts / ₹100
Lounge access 2 domestic + 2 international visits / quarter
Forex markup 0.99% low
Compare with RBL Bank World Safari →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward pointsNot stated
How to avoid the annual fee
Spend threshold for waiver Above ₹8L annual eligible spend required for the waiver
Annual fee is ₹4,999. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹8,00,000yearAnnual fee waiver
Watch outs
Before choosing this card- Fee waiver requires spend above ₹8,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~1,500 pts/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver unlikely at this spend
- Forex cost ~₹500 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter — via AU Small Finance Bank lounge programme
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Issuer Official
- Operator config (Au Zenith Plus Domestic Quarterly)
- Operator config (Au Zenith Plus International Quarterly)
- Railway (cardholder)
- 8 railway lounge visits per year (max 2/quarter)
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Issuer Official
- Operator config (Au Zenith Plus Domestic Quarterly)
- Operator config (Au Zenith Plus International Quarterly)
- International (cardholder)
- 2 per quarter Requires Priority Pass card
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Issuer Official
- Operator config (Au Zenith Plus Domestic Quarterly)
- Operator config (Au Zenith Plus International Quarterly)
Rewards
- Points per ₹100
- 3 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 1.99% / month
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999 · verified 7 Jul 2026
- Fee waiver spend
- Above ₹8,00,000 · verified 7 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹8,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 0.99%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- Fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹1,000 per month.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshLatest update
- Annual fee: ₹4,999.
- Forex markup currently listed at 0.99%.
- 2 per quarter domestic lounge · 2 per quarter international.
Common questions
From verified card factsIs this good for lounge access?
2 domestic + 2 international lounge visits/quarter. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0.99%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies above ₹8,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit is listed. Included items: Choice — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Welcome benefits
Free isn’t free if you miss the milestone