DBS Vantage Credit Card
DBS Bank
Rewards 2.2%
Net Value ₹15,744
Joining Fee ₹0
Renewal Fee ₹0
Unlimited lounge access • Forex 3.5%
AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank
Premium lifestyle and travel credit card
Joining Fee
₹4,999
+ 18% GST
First Year Net
+₹4,926
Annual Fee
₹4,999
+ 18% GST
Renewal Net
-₹74
Base Reward Rate
1.0%
1 points per ₹100
Best Category
2.0%
Final Net Score
25
out of 100
Net Annual Value
+₹5,825
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
25/100
Effective Reward Rate
Weighted average based on your spending categories
1.4%
Annual Net Value
Expected yearly benefit after all costs
₹5,825
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium lifestyle and travel credit card
Launch Date
2020
Networks
Visa Signature
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹30,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹5,825
Fee outcome
Fee likely payable
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 66,667 monthly spend.
- Top earning category: travel has elevated rewards, which can improve value when your spend matches it.
- Portal rewards: Extra value may depend on booking or spending through AU Rewardz.
Details
Spend curve and supporting scenario values
AU Small Finance Bank Zenith Credit Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹4,999
- Foreign Transaction: 1.0%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 1.0% reward rate
- Lounge Access: Available
- Our Rating: 25/100
AU Small Finance Bank Zenith Credit Card - Frequently Asked Questions
What are the benefits of AU Small Finance Bank Zenith Credit Card?
AU Small Finance Bank Zenith Credit Card from AU Small Finance Bank offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for AU Small Finance Bank Zenith Credit Card?
AU Small Finance Bank Zenith Credit Card is ideal for premium card users reward-focused spending. Minimum credit score requirements apply.
How much does AU Small Finance Bank Zenith Credit Card cost?
The annual fee for AU Small Finance Bank Zenith Credit Card is ₹4,999. Additional charges may include foreign transaction fees and late payment charges.
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