
Joining Fee
₹4,999
Annual Fee
Rs. 4999 (Reversed on annual spends of Rs. 8 Lakhs)
Forex Markup
0.99% + GST
Add-on Card Fee
Free per supplementary card
Zenith+ Credit Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹1
Pros
- Low forex markup of 0.99%
- 2X reward points on travel, dining and international spends
- 16 complimentary domestic and international lounge accesses
- Complimentary BOGO movie/event tickets via BookMyShow
- 8 complimentary golf games/lessons annually
- Comprehensive insurance cover including up to ₹2 crore air accident cover
- Taj Epicure Membership on milestone spend
- Add-on cards at no extra cost
- Metal card
Cons
- High annual fee of ₹4,999
- High renewal waiver threshold of ₹8 lakh
- High minimum income requirement of ₹2.5 lakh per month
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Priority Pass lounge usage within India is chargeable
Cash, EMI and fuel transactions not eligible for Reward Points
Utility, Insurance, Rent, Education and Government MCCs excluded from monthly milestone calculation
Max 4 complimentary lounge accesses per calendar quarter
Key Benefits & Features
Welcome benefit: ₹5,000 brand voucher or 5,000 Reward Points on card activation
Complimentary Device Protection Plan
Zero liability on fraudulent transactions after reporting card loss
Priority customer service via creditcard.priority@aubank.in
Eligibility Criteria
Min. Annual Income
₹25.0 Lakhs
Age Requirement
21+ Years
Occupation
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Zenith+ Credit Card
The AU Small Finance Bank Zenith+ Credit Card is a premium metal credit card designed for high-spending individuals who seek exceptional travel, dining, and lifestyle benefits. Positioned as a symbol of success, this card rewards cardholders with up to 2 Reward Points for every ₹100 spent on travel, dining, and international transactions, and 1 Reward Point per ₹100 on all other retail spends, with each point valued at ₹1. Cardholders enjoy a grand welcome benefit of a brand voucher worth ₹5,000 or 5,000 Reward Points, along with 16 complimentary domestic and international airport lounge accesses via Priority Pass. Lifestyle privileges include 16 complimentary Buy-One-Get-One movie or event tickets through BookMyShow, 8 complimentary golf games or lessons annually, and a Taj Epicure Membership upon reaching ₹12 lakh in annual retail spends. Additional perks include airport Meet and Assist services, a low forex markup fee of 0.99%, 24x7 global concierge assistance, and a 1% fuel surcharge waiver. The card also offers robust security features, including up to ₹2 crore air accident cover, credit shield of up to ₹15 lakh, purchase protection, and zero liability on fraudulent transactions after reporting card loss. With a joining and annual fee of ₹4,999, the fee is waivable from the second year onwards on net retail spends of ₹8 lakh in the previous anniversary year.
Our Verdict
Premium metal card with 2X rewards on travel & dining, lounge access, golf, and Taj Epicure membership.
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