Zenith+ Credit Card
AU's metal super-premium card: 2 points per ₹100 on travel, dining and international spends and 1 elsewhere, with each point worth ₹1, a 0.99% forex markup and 16 domestic plus 16 Priority Pass lounge visits a year, for ₹4,999 a year. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹4,999 plus GST Product page |
|---|---|
| Annual fee | ₹4,999 plus GST Product page |
| Annual fee waiver | On ₹8,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 0.99% of the transaction, plus GST Product page |
| The joining fee is charged on card activation; from the second year the fee is waived on ₹8 lakh of net retail spend in the previous card anniversary year. Cash withdrawals carry no cash-advance fee on this card. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Travel, dining and international spends | 2 points per ₹100 Product page | no cap on record |
| Utility and telecom bills (bills paid through BBPS earn nothing) | 1 point per ₹100 Product page | up to 1,000 points a statement cycle Product page |
| Insurance premiums | 1 point per ₹100 Product page | up to 1,000 points a statement cycle Product page |
| Education and government payments | 1 point per ₹100 Product page | up to 1,000 points a statement cycle Product page |
| Rent | 1 point per ₹100 Product page | up to 1,000 points a statement cycle Product page |
| All other retail spends | 1 point per ₹100 Product page | no cap on record |
Cash, EMI, fuel, transportation, BBPS and quasi-cash transactions earn no points. Utility, insurance, education and government, and rent spends earn 1 point per ₹100, each capped at 1,000 points a statement cycle.
No rewards on
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: 16 domestic airport lounge visits and 16 international (Priority Pass) visits a year, 4 of each a quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹1,000 a statement month Product page
- Welcome: Luxury brand voucher or 5,000 reward points worth ₹5,000 on card activation Product page
- Milestone: 1,000 bonus points (₹1,000) in each statement cycle with ₹75,000 of retail spend Product page
- Milestone: Complimentary Taj Epicure membership on ₹12 lakh of net retail spend in a card anniversary year Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 16 buy-one-get-one movie or event tickets a year on BookMyShow (4 a quarter, up to ₹500 off a ticket) Product page
- Up to 8 complimentary golf games or lessons a year (2 a quarter) Product page
- 4 airport meet-and-assist services a year (1 a quarter) Product page
- Air accident cover up to ₹2 crore Product page
- 0.99% forex markup on international spends Product page
- No cash-advance fee on cash withdrawals Fee schedule
- 24x7 global concierge Product page
Eligibility
- Net monthly income of ₹2.5 lakh Product page
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- a reward rate on UPI spends with the RuPay card
Where AU Small Finance Bank’s documents differ, and what is used
- AU's Cardmember Agreement (clause 23.5.1) says rent, education and government transactions earn no points, but the Zenith+ product page and the same agreement's capping table give Zenith+ a 1,000-point cap on rent, education and government, insurance and utility spends; CardWise follows the card's own page and lets them earn 1 point per ₹100 within the cap.
The quotes behind the figures
42 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Zenith⁺ Credit Card Joining/Annual Membership Fee: Rs. 4,999 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“Conditions for Zenith⁺ Annual Membership Fee waiver: For 2nd year onwards fee waiver: Rs. 8 Lakhs net retail spends done in previous card anniversary year.”
“Lower forex markup fees at 0.99%”
“Value of 1 Reward Point is Rs.1”
“Earn 2 Reward Points per Rs. 100 spent on travel, dining, and international spends.”
“Earn 1 Reward Point per Rs.100 spent across all merchant categories.”
“Cardholders will earn a maximum of 1000 Reward Points on following spend categories: Utility & Telecom, Insurance, Education & Government and Rent.”
“Note : Cash, EMI, Fuel, Transportation, BBPS & Quasi Cash transactions will not be eligible for Reward Points.”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“Zenith+ Credit card joining membership fee will be charged on card activation.”
“Zenith+, NOMO - 0.99%”
“For Zenith + Value of 1 Reward Point is INR 1.”
“For Zenith + Minimum Reward Points required for redemption is 1000 points.”
“As a valued Zenith+ cardholder, you are welcomed with an exclusive benefit worth Rs. 5000 upon card activation redeemable as a luxury brand voucher or equivalent Reward Points, automatically credited post card activation.”
“*Note: Utility, Insurance, Transportation, Rent, Education & Govt, Fuel, Cash, & EMI transactions are not eligible for monthly milestone calculation.”
“Complimentary International Airport Lounges : Relax and rejuvenate with 16 complimentary international airport lounge access annually (4 per quarter) using your Priority Pass.”
“Cardholders (except Zenith+, Traverse) will be able to access Complimentary Domestic Airport Lounges (within India) using their Visa/RuPay AU Credit Card on meeting eligible spends criteria.”
“Enjoy now amazing offers available on your Zenith + RuPay Credit Card.”
“1.10 "Card transactions"/ "Transactions" shall mean all types of Credit Card transactions including online transactions, POS transactions, Contactless transactions (via device or via Credit Card), UPI transactions (made on RuPay Credit Cards), Standing Instruction transactions and other application Credit Card transactions.”
“23.5.1 Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points.”
“23.6 Cardmembers will not earn Reward Points for EMI, fuel, cash withdrawal, Quasi Cash transactions, joining/annual fees and any other charges levied on the Card.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“Complimentary Domestic Airport Lounges: Unwind in comfort with 16 complimentary domestic lounge accesses annually (4 per quarter) with your AU Zenith + Credit Card.”
“Enjoy 1% Fuel Surcharge Waiver (up to ₹1000) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.”
“Zenith+: Maximum of ₹ 1,000 per statement month”
“Brand Voucher worth Rs.5,000 or 5000 Reward Points, you can choose either of them.”
“Monthly Milestone: Say 'Yes' to benefits of an opulent lifestyle with 1,000 Reward Points (1 Reward Point = Rs. 1) on a minimum retail spend* of RS. 75,000 per statement cycle.”
“Taj Epicure: Complimentary Taj Epicure Membership on minimum net retail spends of Rs. 12 Lakh in a card anniversary year.”
“Enjoy up to 16 complimentary buy-one-get-one movie/event tickets on BookMyShow annually using Zenith+ Credit Card (4 tickets per quarter with discount up to Rs. 500 per ticket).”
“Enhance your game with up to 8 complimentary golf games or lessons annually (2 per calendar quarter).”
“Airport Meet & Assist: Get end-to-end airport VIP check-in with 4 complimentary services annually (1 per quarter).”
“Up to Rs.2 cr: Air accident cover”
“(Zero Cash Withdrawal Fees for Zenith+ and Traverse (NRI))”
“24x7 Global Concierge Assistance”
“Monthly Net Income of ₹ 2.5 Lakh”
“- Salaried: 21 years to 60 years.”
“- Self Employed: 25 years to 65 years”
“Resident Indian.”
“Both salaried and self-employed individuals”
“Zenith⁺ Credit Card The Crowning Symbol Of Success Apply Now”
“Exclusive offers on ITC Hotels, Elivaas, Visa Meet & Greet services, DinewithVisa and much more for Zenith+ Visa Credit Card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology