AU Small Finance Bank Zenith Credit Card

Good fit for frequent travelers who value lounge access and low forex — ₹7,999 annual fee.

Top reasons to choose this card

8 domestic lounge visits, spend-gated
₹5L fee waiver
Low 1.99% forex markup

What you'd do with it

Strongest on Dining and similar dining spend.
Useful for travelers who need around 8 domestic lounge visits a year.

Good for travel 2% forex · 2 per quarter lounge
Moderate forex 2% forex markup
Strong lounge access 8 railway lounge visits per year (max 2/quarter)

Suggested comparison Similar tier comparison Compare with IndusInd Bank Avios Visa Infinite →

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Annual fee ₹7,999 per year

Forex markup 1.99% moderate

Lounge access 2 per quarter

Rewards / ₹100 5 pts up to · ₹100 on Dining

The catch Domestic: 2/quarter · requires ₹20,000 spend in the calendar quarter. Domestic lounge cap is 64 visits per year. International lounge cap is 16 visits per year.

Fee waiver available
Annual fee known
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹7,999 higher than 99 of 112 cards
Joining fee: ₹7,999
Forex markup: 1.99% lower than 83 of 111 cards
Lounge access: 2 per quarter domestic lounge · 2 per quarter international
Reward rate: Up to 5 pts / ₹100 on Dining

Good fit for

Good for travel
Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Fee waiver applies at ₹5,00,000 annual spend.
Forex markup is low at 1.99%.
Use this for dining spends, but verify caps and exclusions before relying on the headline rate.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 3 points per ₹100, but caps, excluded categories, and redemption rules are not fully structured.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with IndusInd Bank Avios Visa Infinite Similar tier comparison Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

2 per quarter domestic lounge. 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 at ₹5,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Fees confidence: High Forex confidence: High Rewards confidence: Medium Lounge confidence: Medium Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹5,00,000yearAnnual fee waiverhighstrong

Lounge access spend gate₹20,000quarterLounge eligibilitytrivialstrong

Watch outs

Before choosing this card

Annual fee is ₹7,999, so value depends on actual usage.
Fee waiver requires ₹5,00,000 annual spend.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Base earn3 points per ₹100

Best verified laneDining5 pts / ₹100

Reward rules

Structured earn rates · eligibility · caps when they bind

Dining5 pts / ₹1005 RP/₹100 on dining, international, grocery, departmental stores. Utility MCC…—

General spend3 pts / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (3 pts / ₹100). ~1,500 pts/month. Partner/category bonuses not included.
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 facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter — via AU Small Finance Bank lounge programme Condition: ₹20,000 spend in the calendar quarter

5 sources agree · verify issuer terms before applying

Where to verify

CardInsider
Issuer site (verified manually) (opens in new tab)
Issuer Official
Config Notes
Operator config (Au Zenith Domestic Quarterly)
Operator config (Au Zenith International Quarterly)
Railway (cardholder): 8 railway lounge visits per year (max 2/quarter)

5 sources agree · verify issuer terms before applying

Where to verify

CardInsider
Issuer site (verified manually) (opens in new tab)
Issuer Official
Config Notes
Operator config (Au Zenith Domestic Quarterly)
Operator config (Au Zenith International Quarterly)
International (cardholder): 2 per quarter — via Priority Pass Requires Priority Pass card

5 sources agree · verify issuer terms before applying

Where to verify

CardInsider
Issuer site (verified manually) (opens in new tab)
Issuer Official
Config Notes
Operator config (Au Zenith Domestic Quarterly)
Operator config (Au Zenith International Quarterly)
AU credit card MITC / Schedule of Charges: AU credit card MITC / Schedule of Charges
AU credit card usage T&C revision (Jan 2025): AU credit card usage T&C revision (Jan 2025)

Rewards

Base earn: 3 pts / ₹100 value depends on redemption

Insurance Cover

Air accident cover: ₹2 crore

Fees & charges

Fees

Monthly interest rate: 1.99% / month
Annual fee: ₹7,999
Joining fee: ₹7,999 · verified 7 Jul 2026
Fee waiver spend: ₹5,00,000 · verified 7 Jul 2026 Above catalog median waiver (₹2,00,000 vs ₹5,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026