AU Small Finance BankVisaZenith Credit Card
3.9NeoFinQ editorial rating
Premium card with 20X dining rewards and lounge access
- Up to 20 points/₹100 on dining
- Extensive lounge access
- Good welcome bonus
- Joining fee
- ₹5,000
- Annual fee
- ₹5,000
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹19,500/yr
Our verdict
Excellent for travelers who maximize rewards from everyday spending.
Perfect for
- Frequent travelers
- Regular diners and grocery shoppers
Not ideal for
- Low spenders or no-fee seekers
Pros & cons
- Up to 20 points/₹100 on dining
- Extensive lounge access
- Good welcome bonus
- High annual fee
- Forex markup higher than competitors
Rewards
Dining: 20 points/₹100, International: 10 points/₹100, Other: 5 points/₹100
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 5% |
| Groceries | 5% |
Welcome offer
Vouchers worth ₹1,000 on first transaction
Benefits
Airport lounge
- 2 domestic lounge visits/yr
- 2 international lounge visits/yr
Travel
- 2 domestic lounge visits per calendar quarter and 2 international lounge visits per calendar quarter (via Priority Pass)
More benefits
- Welcome Bonus: Vouchers worth ₹1,000 on first transaction
- Milestone: ₹1,000 vouchers on ₹2L quarterly spend; Epicure Membership on ₹8L annual spend
- Additional Benefits: 30% discount at partner restaurants, Birthday bonus
Fees & charges
| Joining fee | ₹5,000 |
| Annual fee | ₹5,000 |
| Renewal fee | ₹5,000 |
| Fee waiver | First year waived on ₹1.25L spend in 90 days; subsequent years on ₹5L annual spend |
Eligibility
Min. income (annual)
₹15L
Employment
Salaried / Self Employed
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Annual fee ₹5,000