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Key Features & Benefits
- ✦20 Reward Points per ₹100 on dining at standalone restaurants (5% value back)
- ✦10 Reward Points per ₹100 on grocery, international & departmental stores (2.5%)
- ✦2 Reward Points per ₹100 on all other eligible spends
- ✦1.99% forex markup
- ✦2 domestic lounge visits per quarter (8/year)
- ✦4 international lounge visits per year
- ✦Birthday bonus: 10X RP on birthday
- ✦Golf access at select courses
- ✦2 movie tickets/month via BookMyShow
- ✦Travel insurance
- ✦24×7 concierge
- ✦Available in Visa Signature and RuPay variants
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Welcome & Joining Benefits
- ✦Vouchers worth ₹1,000 on first POS transaction
- ✦10,000 bonus RP on ₹1L spend in 60 days
Milestone Benefits
- ✦₹1.25L spend in 90 days → Year 1 fee waived
- ✦₹5L annual spend → annual fee waived (subsequent years)
Pros & Cons
✓ Advantages
- ✓No joining fee — only annual fee from Year 1
- ✓20X dining = 5% value back
- ✓Annual fee waiver at ₹5L annual spend
- ✓RuPay variant enables UPI payments with card rewards
✗ Disadvantages
- ✗₹7,999 annual fee
- ✗Less international lounge (4/year) vs Zenith+ (16/year)
- ✗1.99% forex — not zero like Zenith+
Frequently Asked Questions
Zenith vs Zenith+ — which is better?
Zenith+ adds zero forex (vs 1.99%), unlimited domestic lounge (vs 8/year), 16 international visits/year (vs 4), and 25X dining (vs 20X). Both have ₹7,999 fee. Zenith+ is clearly superior if you travel internationally often.
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