Eligible spend
3 points per ₹100 on eligible spend
AU VISA
Zenith
Should you get this?
Conditional fit
Why this card
- Up to 5 pts / ₹100 on Dining
- You travel frequently and will use the lounge benefits.
- You spend on dining.
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 3.49% high
Compare with American Express Platinum Travel →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend3 pts / ₹100Credited as reward points—
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 ~₹1,750 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 ₹20,000 · /quarter
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- Nudge AU Bank Bank In 2
- Issuer Official
- Operator config (Au Zenith 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
- CardInsider
- Nudge AU Bank Bank In 2
- Issuer Official
- Operator config (Au Zenith International Quarterly)
- International (cardholder)
- 2 per quarter Requires Priority Pass card
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- Nudge AU Bank Bank In 2
- Issuer Official
- Operator config (Au Zenith International Quarterly)
Lounge network
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
- 3.49%
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 3.49%.
- 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 3.49%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Fee waiver applies above ₹5,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- Priority Pass
Membership, visits and issuer rules - Forex markup
Why 3.5% can erase travel rewards - How reward rate works
Pts / ₹100 without the marketing fog