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Credit Cards · India

AU Bank Zenith+ Credit Card

Updated 15 Apr 2026Source-linked

The AU Bank Zenith+ Credit Card is a super premium credit card from AU Small Finance Bank, with a joining fee of ₹7,999 + GST.

It earns up to 20% back on international spend spends in the form of reward points (points).

Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus luxury voucher + membership bundle worth ₹20,000 as a welcome benefit.

AU Small Finance Bank logo
AU Bank Zenith+ Credit Card
Visa logo
  • Joining Fee₹7,999
  • Annual Fee₹7,999
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 20% on international spend
  • Base 2.50% on other spends
Welcome Benefits
  • Luxury voucher + membership bundle worth ₹20,000
AU Small Finance Bank logoAUVisa logoinfinitesuper premium
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Rewards and Benefits

Rewards Rate
20% on international spend
Base 2.50% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
Luxury voucher + membership bundle worth ₹20,000
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
  • air accident: ₹2,00,00,000
  • travel medical: ₹75,00,000
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹18,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.99%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • super premium card issued by AU Small Finance Bank.
  • Joining / annual fee of ₹7,999 + GST, waived on annual spends of ₹18,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
  • Insurance cover bundled: air accident, travel medical.

Pros & Cons

Pros
  • Annual fee waivable on ₹18,00,000 spend.
  • Strong base reward rate of 2.50%.
  • Low forex markup of 0.99% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Accelerated earn rate of 20% on international spend.
Cons
  • High annual fee of ₹7,999.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹20,000 welcome benefit

  • Luxury voucher + membership bundle worth ₹20,000
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 20% on international spend

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi
  • utilities

Airport lounge access

Domestic
Unlimited visit(s) / annual. Via visa, dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass. Guests: unlimited.

Insurance benefits

  • air accident: ₹2,00,00,000
  • travel medical: ₹75,00,000

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
780+
Income (salaried)
₹24,00,000 p.a.
Income (self-employed)
₹24,00,000 p.a.
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