AU Zenith+ Credit Card
AU Small Finance Bank
Last updated: Nov 19, 2025
₹4,999
₹4,999
0.99%
32 visits/yr
Contents
AU Zenith+ Credit Card is AU Small Finance Bank’s flagship metal credit card, designed for frequent travellers and high-spend professionals who want premium lifestyle privileges. It combines domestic and international airport lounge access, complimentary golf games, BookMyShow buy-one-get-one movie offers and a powerful concierge service. With a very low 0.99% forex markup and up to 2% value-back in reward points on travel, dining and international spends, Zenith+ helps you maximise every swipe while enjoying luxury experiences and comprehensive insurance protection.
Features of AU Zenith+ Credit Card which makes it unique
Low Forex Markup
Enjoy a very low 0.99% forex markup on international transactions.
Significant savings on overseas travel, foreign websites and international subscriptions.
Lower forex fee than many standard Indian credit cards that typically charge around 3.5%.
Comprehensive Travel & Lifestyle Bundle
Domestic and international lounge access, airport meet-and-assist, movie BOGO, golf rounds and Taj Epicure membership.
Packed value for frequent travellers and lifestyle spenders who want experiences instead of just cashback.
Competes with other premium travel cards while adding golf and hotel membership benefits.
High-Value Reward Points
Reward points have a simple, high value of approximately ₹1 per point for many redemptions.
Easy-to-understand reward structure with meaningful returns on travel, dining and international spends.
More transparent rewards than many cards that use complex conversion tables.
Rewards Structure of AU Zenith+ Credit Card
Travel, Dining and International Spends
baseEligible travel, dining and international transactions made with AU Zenith+ Credit Card.
Best suited for frequent fliers and people who spend heavily on dining, hotels and overseas transactions.
Other Retail Spends
baseAll other eligible retail transactions across merchants, excluding cash, fuel, EMI and special category spends.
Everyday spending on shopping, utilities and lifestyle purchases continues to earn base rewards.
Milestones of AU Zenith+ Credit Card
Monthly Milestone Benefit
₹75,000 net eligible retail spends in a statement cycle. : 1,000 bonus Reward Points credited after the statement cycle when the monthly milestone is achieved.
Annual Taj Epicure Membership
₹12,00,000 net retail spends in a card anniversary year. : Complimentary Taj Epicure Membership with dining and stay benefits at participating Taj Hotels.
Renewal Reward Bonus
Payment of annual membership fee from 2nd year onwards on or before the due date. : 5,000 bonus Reward Points on payment of the renewal fee (benefit subject to change as per latest AU communication).
Fees & Charges of AU Zenith+ Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Forex Markup Fee | 0.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual membership fee of ₹4,999 + GST is waived from 2nd year onwards on ₹8,00,000 net retail spends in the previous card anniversary year.
Fee Explanation AU Zenith+ is a premium metal credit card with a low 0.99% forex markup, slab-based late payment charges up to ₹1,300 per statement cycle, overlimit fee of 2.5% of the overlimit amount (min ₹500), and cash advance charges of 2.5% of the amount withdrawn (min ₹500) while cash withdrawal transaction fees are currently waived for Zenith+; finance charges still apply on cash withdrawals from the date of transaction.
Lounge Access Benefits with AU Zenith+ Credit Card
domestic Lounges
silverVisits per year: 16
Guest access: No
Up to 16 complimentary domestic airport lounge visits per year with AU Zenith+ Credit Card; list of eligible lounges and access rules as per AU Small Finance Bank and lounge partners.
international Lounges
silverVisits per year: 16
Guest access: No
Up to 16 complimentary international airport lounge visits per year via Priority Pass; maximum of 4 complimentary visits per calendar quarter; usage of Priority Pass lounges within India is chargeable.
Insurance Coverage with AU Zenith+ Credit Card
Air Accident Cover
Up to ₹2,00,00,000Available to primary cardholder when travel tickets are booked using AU Zenith+ Credit Card, as per AU Small Finance Bank insurance terms.
Card Liability Cover
Up to ₹15,00,000Protects against unauthorised transactions post-loss reporting, as per AU Small Finance Bank policy terms and timelines.
Credit Shield
Up to ₹15,00,000Helps cover outstanding card dues in case of specified unforeseen events, as defined in the policy document.
Purchase Protection
Up to ₹50,000Covers eligible purchases against specified risks for a limited period from purchase date, subject to insurer terms.
Travel Inconvenience Cover
Varies by benefitIncludes cover for baggage delay, flight delay, loss of passport and plane hijack as per detailed insurance terms shared by AU Small Finance Bank.
Additional Features of AU Zenith+ Credit Card
Metal Card Design
Premium metal credit card design crafted for a luxurious in-hand feel.
Available to eligible Zenith+ primary cardholders as per AU Small Finance Bank’s issuance policy.
Contactless Payments
Tap-and-pay enabled for quick, secure contactless payments at supported POS terminals.
Subject to transaction limits, network and RBI guidelines for contactless payments.
Dedicated Concierge Services
24x7 global concierge assistance for travel bookings, restaurant reservations, events and lifestyle requests.
Concierge services provided via dedicated helpline; actual fulfilment subject to availability and partner terms.
Device Protection Plan
Complimentary device protection plan on eligible electronics purchased using the AU Zenith+ Credit Card.
Registration and claims must follow AU’s device protection process and timelines.
XpressEMI
Convert transactions of ₹500 and above (cumulative minimum ₹2,000) into EMIs, clubbing up to 20 billed or unbilled transactions.
EMI tenure options and interest/processing fees apply as per AU Small Finance Bank EMI program terms.
Welcome Bonus with AU Zenith+ Credit Card
Welcome Bonus: Luxury brand vouchers or reward points worth ₹5,000
Bonus Conditions: Welcome benefit is available once on first-time AU Zenith+ Credit Card activation for the primary cardholder, as per AU Small Finance Bank terms.
Application Process for AU Zenith+ Credit Card
Processing Time
Typically 5–7 business days after application approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the AU Small Finance Bank Zenith+ Credit Card page and click on Apply Now.
Enter your basic details and verify your mobile number.
Fill in your personal, employment and income information accurately.
Upload KYC and income documents as requested.
Await verification and credit assessment by AU Small Finance Bank.
On approval, your AU Zenith+ Credit Card is dispatched to your registered address and can be activated as per the bank’s instructions.
Required Documents for AU Zenith+ Credit Card
Income Proof
salariedAccepted documents:
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
self-employedAccepted documents:
AU Zenith+ Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across major merchants in India for travel, dining, fuel, shopping and bill payments.
International Acceptance
Accepted at millions of Visa-accepting merchants and ATMs worldwide, making it suitable for frequent international travel.
Online Acceptance
Supported on most leading Indian and international e-commerce websites and payment gateways.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Zenith+ Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Resident Indian only
Income Requirements
Salaried Applicants
₹250,000
Minimum annual income
Self-Employed Applicants
₹250,000
Minimum annual income
Who Can Apply
Important Conditions
- Eligibility is subject to AU Small Finance Bank’s internal credit policy. Add-on cardholders must be at least 18 years old and the applicant must be a resident Indian with valid PAN and KYC documents.
How Approval Is Decided
- Minimum monthly net income of around ₹2,50,000.
- Resident Indian with stable employment or business profile.
- Healthy credit score and repayment history, usually 750+ recommended.
- Final approval subject to AU Small Finance Bank’s internal policies and risk assessment.
Pros of AU Zenith+ Credit Card
- Low forex markup of 0.99% makes it excellent for international travel and online foreign currency payments.
- Strong lifestyle bundle with lounges, movies, Taj Epicure membership and golf benefits.
- High reward value on travel, dining and international categories with simple reward point valuation.
- Comprehensive insurance and device protection suited for premium cardholders.
- Annual fee can be effectively offset via welcome benefit, renewal rewards and milestone benefits for high spenders.
Cons of AU Zenith+ Credit Card
- High annual fee and income requirement make it suitable mainly for affluent users.
- Reward rate on regular retail spends is moderate compared to some specialist reward cards.
- Benefits are maximised only if you frequently travel, dine out and use premium lifestyle services.
- Forex and lounge benefits may overlap with existing premium cards, reducing incremental value for some users.
Frequently Asked Questions about AU Zenith+ Credit Card
Is there a fuel surcharge waiver on the AU Zenith+ Credit Card?
Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions within the specified transaction range, capped at ₹1,000 per statement cycle as per AU Small Finance Bank’s latest schedule of charges.
What are the joining and annual fees for the AU Zenith+ Credit Card?
The AU Zenith+ Credit Card currently charges a joining and annual membership fee of ₹4,999 + applicable taxes per year. The renewal fee is waived from the 2nd year onwards if you spend at least ₹8,00,000 in the previous card anniversary year.
How do reward points work on the AU Zenith+ Credit Card and what is their value?
You earn 2 Reward Points per ₹100 on travel, dining and international spends, and 1 Reward Point per ₹100 on other eligible retail transactions. For many redemptions, 1 Reward Point is valued at approximately ₹1, giving you up to around 2% value-back on key categories.
What airport lounge access benefits does the AU Zenith+ Credit Card offer?
AU Zenith+ offers up to 16 complimentary domestic airport lounge visits and up to 16 complimentary international airport lounge visits via Priority Pass each year, with a maximum of 4 complimentary Priority Pass visits per calendar quarter. Priority Pass usage within India is chargeable as per program rules.
What is the forex markup fee on the AU Zenith+ Credit Card for international transactions?
The AU Zenith+ Credit Card charges a low forex markup of 0.99% on eligible international transactions, which is significantly lower than the ~3.5% forex fee charged by many standard cards, making it attractive for overseas travellers and foreign currency spenders.
What are the key eligibility criteria for getting the AU Zenith+ Credit Card?
Typically, the primary cardholder should be a resident Indian, 21–60 years old if salaried or 25–65 years if self-employed, with a minimum monthly net income of around ₹2,50,000 and a strong credit profile. Final approval is at AU Small Finance Bank’s discretion.
Does the AU Zenith+ Credit Card offer movie and golf benefits?
Yes. Zenith+ offers up to 16 complimentary buy-one-get-one BookMyShow movie or event tickets per year (maximum 4 per quarter, discount capped at ₹500 per ticket) and up to 8 complimentary golf rounds or lessons per year, subject to quarterly limits and partner terms.
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