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| Feature | AU Small Finance Bank AU Bank Zenith+ Credit Card | Standard Chartered India Standard Chartered Ultimate Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | Standard Chartered India |
| Network | Visa + RuPay | Mastercard |
| Annual fee | ₹4,999 + GST per year | ₹5,000 + GST per year |
| Annual fee waiver | At ₹8,00,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 3.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2% · Travel, dining and international rewards | 3.3% · Other eligible Ultimate points |
| International spending | 2% · Travel, dining and international rewards | 3.3% · Duty-free cashback |
| Travel & hotels | 2% · Travel, dining and international rewards | 3.3% · Other eligible Ultimate points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Duty-free cashback: ₹1,000/statement cycle |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 16 domestic airport lounge visits per year • 16 international airport lounge visits per year | 16 domestic airport lounge visits per year • 12 international airport lounge visits per year |
| Forex markup | 1.0% | 2% |
| Monthly income requirement | Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed | Not listed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver. | High-spend users who want broad rewards, frequent airport lounge access and a lower forex markup. |
| Main trade-off | The ₹4,999 fee needs ₹8 lakh annual spend for waiver, while Taj Epicure needs ₹12 lakh. Rent, education, government, fuel, EMI and cash transactions do not earn points; utility earning has a per-transaction limit. | The ₹5,000 renewal fee has no spend waiver. Selected everyday categories earn 2%, fuel earns no points, and Priority Pass use in India or beyond the qualified monthly international visit is chargeable. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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