AU Small Finance BankVisaZenith+ Credit Card
4.1NeoFinQ editorial rating
Premium metal card with 0.99% forex and Taj Epicure
- Low forex markup (0.99%)
- 16 lounge visits/year
- 1 point = ₹1 redemption
- Joining fee
- ₹4,999
- Annual fee
- ₹4,999
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹20,500/yr
Our verdict
Top-tier for luxury travelers with high spending habits.
Perfect for
- High-income international travelers
- Luxury shoppers
Not ideal for
- Low spenders
Pros & cons
- Low forex markup (0.99%)
- 16 lounge visits/year
- 1 point = ₹1 redemption
- No fee waiver
- High spending thresholds
Rewards
2 Reward Points per ₹100 on retail spends (excluding specific categories). 1 Reward Point = ₹1.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 5% |
Welcome offer
Luxury vouchers worth ₹5,000 or 5,000 Reward Points
Benefits
Airport lounge
- 16 domestic lounge visits/yr
- 16 international lounge visits/yr
Travel
- 16 domestic lounge visits per year (4 per quarter) and 16 international lounge visits per year (4 per quarter) with Priority Pass
More benefits
- Welcome Bonus: Luxury vouchers worth ₹5,000 or 5,000 Reward Points
- Additional Benefits: Taj Epicure Membership on ₹12L annual spend
Fees & charges
| Joining fee | ₹4,999 |
| Annual fee | ₹4,999 |
| Renewal fee | ₹4,999 |
| Fee waiver | No waiver; renewal benefit of 5,000 reward points annually |
| Waiver threshold | Spend ₹5,000/yr |
Eligibility
Min. income (annual)
₹30L
Employment
Salaried / Self Employed
Similar cards

AU Small Finance BankZenith Credit Card
Travel3.9
Annual Fee
₹5,000
Est. Rewards
₹19,500/yr

SBI CardPrime Credit Card
Travel4.2
Annual Fee
₹2,999
Est. Rewards
₹21,000/yr

Yes BankMarquee Credit Card
Travel4.1
Annual Fee
₹19,999
Est. Rewards
₹20,500/yr

IDFC FIRST BankWealth Credit Card
Travel4.0
Annual Fee
₹0
Est. Rewards
₹20,000/yr
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardZenith+ Credit Card
Annual fee ₹4,999