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AU Small Finance Bank

AU Zenith+

VisaSuper-PremiumPoints
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Annual Fee

₹4,999

Reward Type

Points

Forex

0.99%

Lounge

4 dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹4,999
Annual Fee₹4,999(waived ≥ ₹8,00,000)
Min Monthly Income₹2,00,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Category Multipliers

dining2%international2%

Redemption Values

flights₹0.25/pt

Travel & Global

Forex Markup0.99%
Domestic Lounge4 visits/yr
Intl. Lounge2 visits/yr
Lounge NetworkDreamfolks

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹8L/year to waive ₹4,999 annual fee.

⚖️ Breakeven Analysis

To recover the ₹4,999 annual fee at the base reward rate of 1%, you need to spend ₹4,99,900 annually.

🎯 Pro Tips

  • ▸Low forex markup.
  • ▸Luxury Taj vouchers on milestones.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

-₹1,249

Effective Rate

-0.1%

Ranked #165 of 173 cards#165

₹4,999 annual fee deducted from gross rewards value.

🏷️ Best For

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