AU SPONT vs AU Zenith+
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
AU Zenith+ Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.2/10.
| Feature | AU SPONT | AU Zenith+ |
|---|---|---|
| CardTrail Score | 7.2/10 | 8.4/10 |
| Annual Fee | ₹299 | ₹4,999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 1% | 3% |
| Forex Markup | 3.5% | 0.99% |
| Domestic Lounges | 2 | 4 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose AU Zenith+
- You can meet the fee waiver condition: Spend ₹8L/year
- You travel internationally — saves ₹2,510/year on ₹1L forex spend
- You want higher rewards — up to 3% vs 1%
- Airport lounge access matters — 4 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: AU SPONT costs ₹4,130 in forex fees vs AU Zenith+ at ₹1,168. You save ₹2,962/year with AU Zenith+.
Annual Fee Value Analysis
To break even on AU SPONT's ₹299 fee at 1% rewards, spend ₹2,492/month.
To break even on AU Zenith+'s ₹4,999 fee at 1% rewards, spend ₹41,658/month.