- Annual fee ₹7,999 Waivable at ₹5,00,000 spend
- Forex markup 1.99%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹20,000 spend in the calendar quarter
Pairwise comparison
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AU Small Finance Bank Zenith vs Standard Chartered Bank India Standard Chartered Ultimate Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the AU Small Finance Bank Zenith and the Standard Chartered Bank India Standard Chartered Ultimate. Verify fees, lounge access, forex markup, and base rewards before you apply.
Quick comparison
Three core metrics- Annual fee ₹5,000
- Forex markup 2%
- Domestic lounge 4/quarter Conditional · International: 1/month · requires ₹20,000 spend (issuer terms apply)
Reward earning explained
Per card5 pts / ₹100 on Dining (5 RP/₹100 on dining, international, grocery, department…
5 pts / ₹150 on General spend + 3 pts / ₹150 on Utilities (3 RP/₹150 on utiliti…
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (AU Small Finance Bank Zenith: ₹7,999 vs Standard Chartered Bank India Standard Chartered Ultimate: ₹5,000), forex markup (1.99% vs 2%), or lounge access (2/quarter vs 4/quarter).
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Travel Tie Both cards are similar for travel
Forex markup is 1.99%. Forex markup is 2%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 1.99%. Forex markup is 2%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter. Domestic lounge access is 4 per quarter.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Standard Chartered Ultimate: ~₹1,670/month at base rate
- AU Zenith: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Zenith AU Small Finance Bank | Standard Chartered Ultimate Standard Chartered Bank India |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 4/quarter | 2/quarter | 4/quarter |
| International lounge visits 16/year vs 1/year | 16/year | 1/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 2% | 1.99% | 2% |
| Fees | ||
| Annual fee ₹7,999 vs ₹5,000 | ₹7,999 | ₹5,000 |
| Joining fee ₹7,999 vs ₹5,000 | ₹7,999 | ₹5,000 |
| Fee waiver spend Only available for AU Zenith | ₹5,00,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Reward points (base spend) 3 pts/₹100 vs 5 pts/₹150 | 3 pts/₹100 | 5 pts/₹150 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Standard Chartered Ultimate | Not specified | ₹1 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.