AU Zenith+ Credit Card – Benefits, Fees & Eligibility

AU Zenith+ Credit Card

Introduction

The AU Zenith+ Metal Credit Card is a premium offering from AU Small Finance Bank, crafted for individuals who embody distinction and seek exclusive lifestyle privileges. This metal credit card serves as a gateway to a world enriched with tailored rewards, designed to complement a luxurious lifestyle. It is an ideal choice for frequent travelers and those with significant credit card spending, offering a blend of opulent benefits and a robust reward structure.

Welcome Benefits

• Choose between Luxury Brand Vouchers or Reward Points worth INR 5,000 upon Zenith+ card activation.
• Luxury brand vouchers may include options from Taj Hotels, Michael Kors, or Tata Cliq.
• Cardholders are eligible for this benefit upon activating their Zenith+ Credit Card.

Fees

• Joining Fee: INR 4,999 + applicable taxes (GST).
• Renewal Fee: INR 4,999 + applicable taxes (GST).
• Spend-Based Waiver: The renewal fee for the 2nd year onwards can be waived if net retail spends of INR 8 Lakhs are made in the previous card anniversary year.
• Rewards Redemption Fee: INR 99 + GST.
• Foreign Currency Markup: Low cross-currency foreign markup fees of 0.99% on all international transactions.
• Interest Rates: 1.99% per month or 23.88% per annum.
• Fuel Surcharge Waiver: 1% Fuel Surcharge Waiver for fuel transactions across all fuel stations in the country.
  • Maximum waiver: INR 1,000 per statement cycle.
  • Effective November 17, 2025, the waiver will apply to fuel transactions between INR 400 and INR 5,000.
• Cash Advance Charges: 2.5% of the transaction amount or a minimum of INR 100.

Rewards

• Reward Point Earning:
  • Earn 2 Reward Points for every INR 100 spent on travel, dining, and international transactions.
  • Earn 1 Reward Point per INR 100 on retail spends across all other merchant categories.
  • Transactions not eligible for Reward Points: Cash advances, EMI, and Fuel transactions. Special Category Merchant Category Codes (Utility, Insurance, Rent, Education & Govt) are also not eligible for monthly milestone calculation.
• Monthly Milestone Benefit:
  • Receive 1,000 Bonus Reward Points on a minimum retail spend of INR 75,000 per statement cycle.
• Annual Milestone Benefit (Taj Epicure Membership):
  • Get a complimentary Taj Epicure Membership on achieving minimum net retail spends of INR 12 Lakhs in a card anniversary year.
  • Benefits of Taj Epicure Membership include:
    • 25% off on Food & Beverages for takeaway and dining.
    • 20% off on Qmin App orders.
    • 20% off on Spa Treatments at Jiva Spas.
    • 20% off on Salon services at participating salons.
    • 20% off on Food & Beverages for Banquets.
• Renewal Benefits:
  • Earn 5,000 Bonus Reward Points on paying the annual/renewal membership fees from the 2nd year onwards.
  • Payment must be done on or before the Payment Due Date of the statement.
  • Renewal Benefits will be discontinued with effect from November 17, 2025.
• Travel Benefits:
  • International Airport Lounge Access: Enjoy 16 complimentary International Airport Lounge accesses annually using Priority Pass. Max 4 complimentary accesses per calendar quarter. Usage of Priority Pass within India is chargeable.
  • Domestic Airport Lounge Access: Receive 16 complimentary Domestic Airport Lounge accesses annually using your AU Zenith+ Credit Card. Max 4 complimentary accesses per calendar quarter.
  • Airport Meet & Assist Services: Get 4 complimentary end-to-end airport VIP check-in services per annum (maximum 1 per calendar quarter). Bookings can be made via concierge (1800 210 0298 toll-free or 022-42320298).
• Lifestyle Privileges:
  • Movie & Event Tickets: Enjoy up to 16 complimentary Buy One Get One (BOGO) movie/event tickets from BookMyShow annually. Up to 4 BOGO tickets per calendar quarter, with discounts of up to INR 500 per ticket.
  • Golf Privileges: Avail 8 complimentary golf games/lessons annually (up to 2 per calendar quarter). Bookings can be made via concierge (1800 210 0298 toll-free or 022-42320298). Unused complimentary rounds/lessons will not be carried forward.
  • Dining Program: Up to 30% discount at partner restaurants with the Silver Spoon dining program.
• Insurance & Protection:
  • Comprehensive Protection Cover (for primary cardholder only):
    • Air Accident Cover: Up to INR 2 Crore.
    • Card Liability Cover: Up to INR 15 Lakhs.
    • Credit Shield: Up to INR 15 Lakhs.
    • Purchase Protection: Up to INR 50,000.
    • Other Travel-related covers: In the event of baggage delay, flight delay, loss of passport, and plane hijack.
    • To claim insurance benefits, call Customer Care at 1800 1200 1500.
  • Device Protection Plan: Complimentary Device Protection Plan on Electronics purchased using your Zenith+ Credit Card. To avail, call concierge (1800 210 0298 toll-free or 022-42320298).
• Curated Offers:
  • Visa Offers:
    • Luxury stay at ITC Hotels: Stay for 3, Pay for 2, and 50% savings on the 2nd night (available at 40+ properties).
    • Exclusive Stay Offers with Elivaas: Stay for 3, Pay for 2, and 50% savings on the 2nd night (available at 150+ luxury villas).
    • Complimentary Visa Meet & Greet services: Available at all major Indian airports for international flights (to/from India) for cross-border active customers. Repeat customers can avail a 10% discount.
    • Premium Dining Program DinewithVisa: Offers reservations & curated menus for unique culinary experiences.
  • RuPay Offers: Amazing offers are available on your Zenith+ RuPay Credit Card.

Rewards Redemption Guide

• The value of 1 Reward Point is INR 1.

Card Eligibility Criteria

• Monthly Net Income: INR 2.5 Lakhs.
• Age Group (Primary Cardholder):
  • Self-Employed: 25 years to 65 years.
  • Salaried: 21 years to 60 years.
• Add-on Cardholder: Should be over 18 years.
• Residency: Resident Indian.
• Disclaimer: These criteria are indicative; AU Small Finance Bank reserves the right to approve or decline applications.

Card Review

The AU Zenith+ Metal Credit Card is positioned as AU Small Finance Bank's most luxurious credit card, offering a comprehensive suite of features and privileges across various spending categories. It is particularly well-suited for frequent travelers and high spenders who appreciate luxury benefits. The card provides a substantial welcome benefit of INR 5,000 in luxury gift vouchers or reward points upon activation. Its reward structure offers accelerated earnings on travel, dining, and international spends, complemented by valuable monthly and annual milestone benefits, including a complimentary Taj Epicure Membership. Cardholders also enjoy extensive travel perks such as domestic and international lounge access, airport meet & assist services, and a competitive low forex markup fee of 0.99%. Additional lifestyle benefits include complimentary movie tickets and golf rounds, along with robust insurance coverage. While it carries an annual fee, the spend-based waiver and significant benefits make it a strong contender in the premium card segment, offering a luxurious experience. It is considered a great choice offering various benefits similar to the Zenith credit card at a lower fee.

Important Product Details

• The card is crafted in metal, symbolizing distinction and premium living.
• Welcome benefit of Luxury Brand Gift Vouchers or Reward Points worth INR 5,000 on card activation.
• Earn 2 Reward Points for every INR 100 spent on travel, dining, and international transactions, and 1 Reward Point per INR 100 on other retail spends.
• Value of 1 Reward Point is INR 1.
• Monthly milestone of 1,000 Reward Points on spending INR 75,000 or more per statement cycle.
• Complimentary Taj Epicure Membership on annual net retail spends of INR 12 Lakhs.
• 16 complimentary domestic airport lounge accesses annually.
• 16 complimentary international airport lounge accesses annually via Priority Pass.
• 4 complimentary airport Meet & Assist services per annum.
• Up to 16 complimentary Buy One Get One movie/event tickets per annum (max 4 per quarter, up to INR 500 discount per ticket).
• 8 complimentary golf games/lessons annually (max 2 per quarter).
• Low cross-currency foreign markup fee of 0.99% on international transactions.
• 1% fuel surcharge waiver up to INR 1,000 per statement cycle.
• Comprehensive insurance cover including Air Accident, Card Liability, Credit Shield, Purchase Protection, and other travel-related covers.
• Complimentary Device Protection Plan on electronics purchased with the card.
• Annual fee of INR 4,999 + taxes, with a waiver on INR 8 Lakhs annual retail spends.

Other Details

• Dedicated Concierge Services: Global Concierge Assistance available 24x7 for customizing travel, entertainment, and leisure experiences. Contact: 1800 210 0298 (toll free) or 022-42320298.
• Priority Customer Service: For queries, email creditcard.priority@aubank.in for priority assistance.
• XpressEMI: Option to convert transactions of INR 500 and above (minimum total value of INR 2,000) into EMIs. Up to 20 billed or unbilled transactions can be clubbed for conversion. Available channels: AU 0101 App, Net-Banking, Auro Chat-bot, WhatsApp Banking (8383838399), On Call (1800 1200 1500), and IVR.