AU Bank Zenith Credit Card

Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 2% base rate
• Domestic lounge access: 2 complimentary domestic lounge visits per quarter (8/year), on ₹50,000+ prior-quarter spend
• International lounge access: 2 complimentary international lounge visits per quarter (8/year) via Priority Pass
• Insurance benefits: Air accident cover and purchase protection cover on card spends

• 🍽️ Dining & food delivery

  4% reward rate (capped ₹1,500/monthly)

• ✈️ Travel

  5% reward rate · 4 complimentary domestic lounge visits per quarter and 2 international visits per year

• 🛡️ Insurance

  Air accident and purchase protection cover

• ⛽ Fuel

  1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month

• 🌍 Forex / international spend

  3.49% forex markup on international transactions

• Minimum credit score: 750
• Minimum monthly income: ₹80,000
• Employment: salaried, self-employed
• Age: 21–60

• Spend-based waiver: Waived on annual spend of ₹5,00,000
• Rewards redemption fee: ₹99 + GST per redemption request
• Foreign currency markup: 3.49%
• Interest rate: 45% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹100 per statement month
• Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction

• 4 complimentary domestic lounge visits per quarter and 2 international visits per year
• Air accident and purchase protection cover
• Bonus reward points on crossing ₹3L annual spend
• 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month