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 1.99%.
- Up to 5 pts / ₹100 on Dining
- You travel frequently and will use the lounge benefits.
Trade-off
The annual fee (₹7,999) is waived only when eligible annual spend exceeds ₹5,00,000.
Annual fee ₹7,999 per year
Rewards 3 pts / ₹100 base
Lounge access 2 domestic + 2 international visits / quarter
Forex markup 1.99% low
Compare with IDFC FIRST Bank Mayura →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward pointsDoes not earn on —
- utility
Dining5 pts / ₹100Credited as reward points—
Utilities3 pts / ₹100Credited as reward points100 points per transaction; at 3 pts / ₹100, this lane reaches the cap at ~₹3,300 of eligible spend
How to avoid the annual fee
Spend threshold for waiver Above ₹5L annual eligible spend required for the waiver
Annual fee is ₹7,999. 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
Best verified lane
Dining
5 pts / ₹100
View bonus categories →Caps
- Utilities100 points per transaction
Why?
at 3 pts / ₹100, this lane reaches the cap at ~₹3,300 of eligible spend
No reward on
- Utilities
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹5,00,000yearAnnual fee waiver
Domestic lounge spend gate₹20,000quarterLounge eligibility
Watch outs
Before choosing this card- Reward point value isn't clearly documented yet, so overall returns may vary.
- Annual fee is ₹7,999, so value depends on actual usage.
- Fee waiver requires spend above ₹5,00,000 annually.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (3 pts / ₹100). Up to ~1,500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Fee waiver achievable at this spend
- Forex cost ~₹1,000 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 · verified 31 Aug 2026 ₹20,000 · /quarter
Sources disagree Issuer sources conflict · verify on issuer site / MITC
Where to verify
- Operator-verified anchor
- CardInsider
- Issuer site (verified manually) , opens external site
- Issuer Official
- Operator config (Au Zenith International Quarterly)
- Railway (cardholder)
- 8 railway lounge visits per year (max 2/quarter)
Sources disagree Issuer sources conflict · verify on issuer site / MITC
Where to verify
- Operator-verified anchor
- CardInsider
- Issuer site (verified manually) , opens external site
- Issuer Official
- Operator config (Au Zenith International Quarterly)
- International (cardholder)
- 2 per quarter Requires Priority Pass card
Sources disagree Issuer sources conflict · verify on issuer site / MITC
Where to verify
- Operator-verified anchor
- CardInsider
- Issuer site (verified manually) , opens external site
- Issuer Official
- Operator config (Au Zenith International Quarterly)
Rewards
- Base earn
- 3 points per ₹100 value depends on redemption
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹7,999
- Joining fee
- ₹7,999 · verified 7 Jul 2026
- Fee waiver spend
- Above ₹5,00,000 · verified 7 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹5,00,000.
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.99%
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 refreshCaps & limits
- Utilities cap: 100 points per transaction; at 3 pts / ₹100, this lane reaches the cap at ~₹3,300 of eligible spend.
- After the Utilities cap is reached, further spending in that lane earns no rewards.
Exclusions
These spends do not earn reward points.
Utilities
- Utilities
Latest update
- Annual fee: ₹7,999.
- Forex markup currently listed at 1.99%.
- 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 1.99%, 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 ₹5,00,000 annual spend. Verify eligible spend exclusions before counting on it.
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