AU Zenith+ Credit Card – Benefits, Fees & Eligibility

Introduction

The AU Zenith+ Metal Credit Card is AU Small Finance Bank’s most luxurious offering, specifically designed for individuals who frequently travel and engage in high credit card spending. It distinguishes itself with a choice of ₹5,000 luxury gift vouchers or Reward Points as a welcome benefit, a competitive 0.99% forex markup fee, and extensive travel perks including 16 complimentary domestic and international lounge accesses. The card also provides valuable lifestyle benefits such as golf rounds and Buy-One-Get-One movie tickets.

Welcome Benefits

• Luxury Gift Vouchers worth ₹5,000 from brands like Taj Hotels, Tata Cliq, or Michael Kors.
• Alternatively, customers can opt for 5,000 Reward Points.

Fees

• Joining Fee: ₹4,999 + GST
• Annual Fee: ₹4,999 + GST
• Spend-Based Waiver: Annual Charges are waived on spending ₹8 Lakh or more in the card anniversary year.
• Rewards Redemption Fee: ₹99 + GST
• Foreign Currency Markup: 0.99% of the transaction amount.
• Interest Rates: 1.99% Per Month or 23.88% Per Annum.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver up to ₹1,000 per statement cycle.
• Cash Advance Charges: None.

Rewards

• Reward Earning Rate:
  • Earn 2 Reward Points per ₹100 spent on Dining, Travel, and International Transactions, offering a Reward Rate of Up to 2%.
  • Earn 1 Reward Point per ₹100 spent on other eligible transactions, offering a 1% Reward Rate.
  • Cash advances, fuel, and EMI spending are not eligible for reward points.
• Milestone Benefits:
  • Get a bonus of 1,000 Reward Points on spending ₹75,000 or more in a month.
  • Receive a complimentary Taj Epicure Membership on spending ₹12 Lakhs in the card anniversary year.
    • Taj Epicure Membership benefits include:
      • 25% off on Food and beverages – 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 and Beverages – Banquets.
• Movie & Dining:
  • 16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (maximum 4 per quarter).
  • Maximum discount of ₹500 off per ticket.
• Travel:
  • 4 Complimentary Airport Meet & Assist Concierge Services Annually (1 per calendar quarter).
  • 16 complimentary international lounge access per annum with Priority Pass membership (maximum 4 per quarter).
  • 16 complimentary domestic lounge access per annum (maximum 4 per quarter).
• Golf:
  • Up to 8 Complimentary Golf Games or Lessons Annually (2 per calendar quarter).
  • Any unused complimentary rounds or lessons will not be carried forward to the next calendar quarter.
• Insurance Benefits: (Available only for the primary AU Zenith+ Credit Card)
  • Air Accident Cover – Up to ₹2 Crore.
  • Card Liability Cover – Up to ₹15 Lakhs.
  • Credit Shield – Up to ₹15 Lakhs.
  • Purchase Protection – Up to ₹50,000.
  • Other travel-related covers in the event of baggage delay, flight delay, loss of passport, or plane hijacking.
• Lifestyle:
  • Complimentary device protection plan.

Rewards Redemption Guide

• 1 Reward Point = ₹1.

Card Review

The AU Zenith+ Metal Credit Card is an upgraded version of the previous AU Zenith Credit Card. While some benefits have seen devaluations over time, it remains a strong contender for individuals seeking a blend of travel, lifestyle, and reward benefits within a relatively accessible fee segment. It offers a decent reward rate, particularly for international, dining, and travel expenditures, along with a choice of luxury welcome benefits. Frequent travelers will appreciate the complimentary Taj Epicure Membership, extensive airport lounge access, golf benefits, and a low foreign currency markup fee. The card also provides valuable movie and dining perks, making it a solid option for a premium experience.

Important Product Details

• Luxury brand gift vouchers worth ₹5,000 as a welcome benefit, or 5,000 Reward Points.
• Earn 1 Reward Point per ₹100 spent and 2 Reward Points on international, dining, and travel spends.
• Bonus 1,000 Reward Points on spending ₹75,000 or more in a month.
• Complimentary Taj Epicure membership on spending ₹12 Lakhs in the card anniversary year.
• 16 complimentary domestic and 16 international lounge accesses per annum.
• 16 complimentary Buy-One-Get-One movie tickets per annum, with a maximum of 4 per quarter and up to ₹500 off per ticket.
• Low forex markup fee of 0.99% of the transaction amount.
• Annual charges are waived on spending ₹8 Lakh or more.
• Interest rate of 1.99% per month.
• 1% fuel surcharge waiver up to ₹1,000 per statement cycle.
• No cash advance charges.
• Complimentary device protection plan.

Other Details

• Complimentary Meet & Assist services require booking at least 72 hours before travel through the concierge by calling 022-42320298 or 1800 210 0298.
• Meet & Assist service is available at domestic and international terminals across cities including Ahmedabad, Bengaluru, Calicut, Cochin, Delhi, Goa, Guwahati, Hyderabad, Lucknow, Mangalore, Mumbai, Trivandrum, Varanasi, Prayagraj, Jaipur, Coimbatore, and Kolkata.
• Golf benefits require calling the concierge desk at 1800 210 0298 (toll-free) or 022-42320298 to place the request.
• Movie benefits (BOGO offer) are applicable when booked via BookMyShow.