○ Data not yet verified
•••• •••• •••• ••••
AU Small Finance Bank
AU Zenith Credit Card
VisaPremiumPoints
💰
Annual Fee
₹2,999
🎁
Reward Type
Points
🌍
Forex
2%
✈️
Lounge
4 dom · 1 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹2,999
Annual Fee₹2,999(waived ≥ ₹4,00,000)
Min Monthly Income₹60,000
Rewards
Reward TypePoints
Base Rate2%
Point Value₹0.25/point
Category Multipliers
international4%
Travel & Global
Forex Markup2%
Domestic Lounge4 visits/yr
Intl. Lounge1 visits/yr
Lounge NetworkDreamFolks
Similar Cards
💡 Fee Waiver Strategy
Spend ₹4L/year to waive the annual fee.
⚖️ Breakeven Analysis
To recover the ₹2,999 annual fee at the base reward rate of 2%, you need to spend ₹1,49,950 annually.
🎯 Pro Tips
- ▸Standard Zenith below Zenith+ — good stepping stone in AU's premium stack.
- ▸10 RP per ₹100 domestic, 20 RP/₹100 international (AU Bank RP scale).
- ▸4 domestic + 1 international lounge per quarter.
- ▸2% forex markup is competitive for a mid-premium card.
- ▸Upgrade to Zenith+ if you spend ₹10L+/year for better benefits.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹3,001
Effective Rate
0.3%
Ranked #124 of 173 cards#124
₹2,999 annual fee deducted from gross rewards value.
🏷️ Best For
travellifestylepremium