TheLoot LogoTheLoot.in
🏛️ AU Small Finance Bank

AU Zenith+ Credit Card

4.8 / 5
💳 Visa
Best for:0.99% ultra-low forex fee16 international & 16 domestic lounge visits

*Apply links lead directly to official partner or bank portal. Verify latest T&C before applying.

AU Small Finance BankVisa

AU Zenith+ Credit Card

2.5% Reward Points on travel & dining + 0.99% forex markup

Joining / Annual Fee

₹4,999

Standard Fee

Reward Rate

2.5% Reward Points on travel & dining + 0.99% forex markup

Reward Points

Lounge Access

16 domestic airport lounge visits per year

Intl: 16 international airport lounge visits per year

Forex Markup Fee

0.99%

Standard markup

💡

The Loot Verdict

Executive summary for savvy cardholders

🔥 Highly Recommended

🎯 Ideal For

Users seeking max value in 0.99% ultra-low forex fee, 16 international & 16 domestic lounge visits.

Value Calculation

Annual Fee: ₹4,999. Easily recovered if annual spends exceed fee waiver benchmarks.

🧮

Interactive Net-Value & Cashback Calculator

Tailor your exact spend categories to calculate your true net annual profit and milestone rewards.

🔥 Up to 2.5% Returns
/ month
Presets:
Select Your Spend Profile:
Gross Rewards & Milestones

+₹9,000/yr

₹750/mo (Points + Milestone Vouchers)

Net Fee Paid

₹4,999

Standard annual fee

Net Annual Profit

₹4,001

🔥 1.1% net return on your spend

Similar Cards to Consider

Compare rewards, fees, and perks side by side.

View All Cards →
American Express Platinum Card

American Express

Joining Fee: ₹60,000

American Express Platinum Card

✈️ Travel
  • 1 MR Point per ₹50 spent (up to 5X on Reward Multiplier)
  • Centurion lounge access
  • 5-star hotel elite status tier status
*Verified T&C