AU Zenith+ Credit Card: Fees, Rewards & Benefits
Travel card with lounge access
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AU Zenith+ is a genuine super-premium travel card with 16+16 lounge visits, 0.99% forex markup and a comprehensive insurance suite. The 1% base rate is unremarkable, but for high spenders crossing Rs. 8 lakh a year the lounge, forex and insurance bundle delivers strong value; lighter spenders will struggle to justify the Rs. 4,999 fee.
Travel card with lounge access
The Bottom Line
The Zenith+ is built for high-spending international traveller and premium lifestyle user. With a ₹4,999 annual fee that is waived on ₹8,00,000 yearly spend, it offers 2% rewards on dining and 5,000 bonus points. It makes the most sense if your spending matches high-spending international traveller and premium lifestyle user.
It earns a base reward rate of 1% and stacks best when your spending lines up with High-spending international traveller, Premium lifestyle user. The renewal fee gets easier to justify once you can hit ₹8,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone with Rs. 8 lakh+ annual spend who will use 16+16 lounge visits, 0.99% forex and the rich insurance suite to far outweigh the Rs. 4,999 fee.
A user who values golf access and Taj Epicure membership on high spends.
Probably not for
SkipBelow Rs. 8 lakh annual spend the fee is not waived and the 1% base rate makes the card hard to justify.
Fuel earns no reward points, so petrol-led spenders gain little beyond the surcharge waiver.
Is It Worth It For You?
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Reward Rates
Zenith+ offers 1% basic reward rate.
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Welcome Offer
Choice of a luxury brand voucher worth Rs.5,000 OR 5,000 Reward Points (worth Rs.5,000 at 1 RP = Rs.1) on card activation. No minimum spend requirement is published for this welcome benefit -- it appears to be activation-triggered, not spend-triggered.
Milestone Benefits
1,000 bonus Reward Points on minimum net retail spend of Rs.75,000 in a statement cycle. Fuel, utility, rent, insurance, cash, transport, education, government and EMI transactions are excluded from the milestone-qualifying spend calculation.
Complimentary Taj Epicure Membership on net retail spends of Rs.12 lakh or more in a card anniversary year -- unlocks dining/spa discounts and hotel privileges across Taj properties.
Annual/renewal membership fee (Rs.4,999 + GST) waived from the 2nd year onward on net retail spends of Rs.8 lakh in the previous card anniversary year. No 1st-year waiver criterion is published.
Fees & Charges
Eligibility
- Min Income: ₹30 Lakhs
- Min Credit Score: 750
- Resident Indian aged 21-60 (salaried) or 25-65 (self-employed); min monthly net income Rs 2.5L (approx Rs 30L annually); premium metal card; CIBIL 750+.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash withdrawals/cash transactions do not earn Reward Points.
EMI Transactions
- Purchases converted to EMI (Xpress EMI / Instant EMI) do not earn Reward Points.
Transportation
- Transportation spends are explicitly excluded from Reward Points earning per Paisabazaar's published exclusion list.
BBPS Bill Payments
- Bharat Bill Payment System (BBPS) transactions do not earn Reward Points.
Quasi-Cash Transactions
- Quasi-cash transactions (e.g. prepaid instrument/wallet loads) do not earn Reward Points.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹4,999 annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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