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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-11.8%)^ | (-4.9%)^ | (-1.5%)^ | 1.8% | 1.8% |
| Est. Monthly Reward (₹) | (590) | (495) | (305) | 895 | 1,815 |
| All-India Rewards Rank* | 358 | 358 | 358 | 29 | 31 |
| Within Bank Rank* | 5 | 5 | 5 | 1 | 1 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.
^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee. |
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The Zenith Credit Card card gives an effective reward of 5% on dining and 2.5% on grocery and foreign spending. All other spends earn 1.25% effective rewards.
The Zenith has a net reward yield of 1.8% if you spend more than ₹50,000 a month with this card. It is the best credit card from AU Small Finance Bank (SFB).
It is also the best credit card for people with large dining expenses as it is the only card offering 5% unlimited rewards in this category.
The Altura Credit Card is the best entry level credit card from AU SFB. You can earn a net reward yield of 0.5-1.2% on all your spending up to ₹20,000 a month with this credit card.
The Vetta Credit Card is best for people with monthly spending between ₹20,000-50,000 a month on their cards. The Vetta offers a net reward yield of 0.8-0.9% based on our calculations.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | Zenith Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 20 reward points / ₹100 on dining at standalone restaurants
10 reward points / ₹100 on 5 Reward Point / ₹100 on all other spends |
| Milestone Rewards | – Complimentary Epicure Membership on ₹8 Lacs retail spends
– ₹1,000 vouchers on minimum ₹2 Lacs retail spends / calendar quarter |
| Other Rewards | – 2,500 Bonus Reward Points on completing one retail transaction on your birthday
– 2 Complimentary International Airport Lounge Visits / Qtr – 4 Complimentary Domestic Airport Lounge Visits / Qtr |
| Rewards Redemption Fee | Nil |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem on AU Rewardz Portal @₹0.25/reward point for e-Vouchers, Merchandise, Flight and Hotel Bookings |
| Card | Zenith Credit Card | |
|---|---|---|
| Joining Fee | ₹7,999 + Taxes | |
| Annual Fee | ₹7,999 + Taxes | |
| Min. Annual Credit Card Spend for Fee Waiver |
₹5 Lacs | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 23.88% | |
| Foreign Currency Markup | 1.99% | |
| Cash Advance Charge | 2.50% with a minimum of ₹100 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
