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