Is the AU Zenith Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- ₹9,439 fee a year (with GST)
- Fee waived from ₹41,667 a month
- 0.75% base, up to 1.25% on dining
- 16 lounge visits a year
- Pays in reward points
- dining: 1.25% back, up to ₹1,250 a month
- groceries: 1.25% back
- spending ₹41,667 or more a month: the ₹9,439 fee is waived
- flyers: 16 airport lounge visits a year
- you spend less than ₹41,667 a month (₹5,00,000 a year, rent and wallet loads not counted): the ₹9,439 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 3 reward points per ₹100 on all other spends (~0.75%), cut from 5X on 1 Jan 2026
Also earns nothing on: BBPS bill payments, Transportation (Apr 2026), Quasi-cash transactions.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.75% | No cap | The card's normal rate | - |
| Dining and food delivery | 1.25% | ₹1,250 | All merchants in the categoryTerms: 5 reward points per ₹100 on dining (~1.25% at ₹0.25/point), capped at 5,000 points per statement cycle, cut from 20X on 1 Jan 2026 | - |
| Groceries | 1.25% | No cap | All merchants in the categoryTerms: 5 reward points per ₹100 on grocery (~1.25%), cut from 10X on 1 Jan 2026 | - |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility and telecom spends (~0.25%), max 100 reward points per transaction | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance spends (~0.25%) | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | 0.75% | No cap | The card's normal rate | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 1.25% | No cap | All merchants in the categoryTerms: 5 reward points per ₹100 on international spends (~1.25%), cut from 10X on 1 Jan 2026 | - |
| Everything else | 0.75% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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