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Credit Cards · India

AU Bank Zenith+ Credit Card

Updated 5 Jul 2026Source-linked

The AU Bank Zenith+ Credit Card is a super premium credit card from AU Small Finance Bank, with a joining fee of ₹4,999 + GST.

It earns up to 2 pts per ₹100 (≈2.0% value) on dining travel international spends in the form of reward points (points).

Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus taj epicure membership + brand voucher worth rs 5,000 (or 5,000 reward points) as a welcome benefit.

AU Small Finance Bank logo
AU Bank Zenith+ Credit Card
Visa logo
  • Joining Fee₹4,999
  • Annual Fee₹4,999
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 2 pts per ₹100 on dining travel international
  • Base 1.00% on other spends
Welcome Benefits
  • Taj Epicure Membership + brand voucher worth Rs 5,000 (or 5,000 Reward Points)
Data verified 5 Jul 2026 — see our methodology
AU Small Finance Bank logoAUVisa logoinfinitesuper premium
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Rewards and Benefits

Rewards Rate
2 pts per ₹100 on dining travel international
Base 1.00% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹1 per unit.
Welcome Benefits
Taj Epicure Membership + brand voucher worth Rs 5,000 (or 5,000 Reward Points)
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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Dining & food delivery₹160/mo

    You spend ₹8,000 · earns 2.0% = ₹160 uncapped

    • Valued at realized redemption value
  • Travel & hotels₹200/mo

    You spend ₹10,000 · earns 2.0% = ₹200 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo
  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹2,081/yr

₹7,080 rewards − ₹4,999 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹8,00,000 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 ₹4,999 + GST, waived on annual spends of ₹8,00,000.
  • 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 ₹8,00,000 spend.
  • Low forex markup of 0.99% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • Taj Epicure Membership + brand voucher worth Rs 5,000 (or 5,000 Reward Points)
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 2 pts per ₹100 on dining travel international
    2 Reward Points per Rs 100 on dining, travel & international; 1 RP per Rs 100 on other spends (base)

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 5 Jul 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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