MyFinCards
Zenith+ Credit Card

Joining Fee

₹4,999

Annual Fee

Rs. 4999 (Reversed on annual spends of Rs. 8 Lakhs)

Forex Markup

0.99% + GST

INTERNATIONAL
AU Small Finance Bank
Travel
Lifestyle
Rewards
Best For: Frequent domestic and international travelers, High spenders seeking premium lifestyle benefits, Dining and travel enthusiasts

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

SALARIEDSELF_EMPLOYED

Notable Exclusions

Cash, EMI and fuel transactions are not eligible for Reward PointsUtility, Insurance, Rent, Education and Government MCCs (special merchant category codes) are not eligible for monthly milestone calculationPriority Pass lounge usage within India is chargeable

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Premium metal card with 2X rewards on travel & dining, lounge access, golf, and Taj Epicure membership.

Frequently Asked QuestionsAbout Zenith+ Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Zenith+ Credit Card?
To apply for the Zenith+ Credit Card, you must be a Resident Indian with a minimum monthly net income of ₹2.5 lakh. For salaried applicants, the age should be between 21 to 60 years, and for self-employed applicants, between 25 to 65 years. Add-on cardholders must be at least 18 years old. Please note these criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline applications.
FEESWhat is the joining fee and annual fee for the Zenith+ Credit Card?
The Zenith+ Credit Card has a joining fee of ₹4,999 plus applicable taxes and an annual membership fee of ₹4,999 plus applicable taxes. From the second year onwards, the annual fee can be waived if you have net retail spends of ₹8 lakh or more in the previous card anniversary year.
BENEFITSWhat is the welcome benefit on the Zenith+ Credit Card?
As a welcome benefit, new Zenith+ Credit Card holders can choose between a brand voucher worth ₹5,000 or 5,000 Reward Points. This grand welcome gift lets you pick the option that best suits your preferences, giving you instant value right from the moment you receive your card.
REWARDSHow do reward points work on the Zenith+ Credit Card?
The Zenith+ Credit Card offers 2 Reward Points for every ₹100 spent on travel, dining, and international spends, and 1 Reward Point per ₹100 on all other retail spends. The value of 1 Reward Point is ₹1. Additionally, you can earn up to 1,000 bonus Reward Points on a minimum retail spend of ₹75,000 per statement cycle. Note that cash, EMI, and fuel transactions are not eligible for Reward Points.
BENEFITSWhat lounge access benefits does the Zenith+ Credit Card offer?
The Zenith+ Credit Card provides 16 complimentary domestic airport lounge accesses and 16 complimentary international airport lounge accesses via Priority Pass annually. Access is capped at a maximum of 4 complimentary lounge visits per calendar quarter. Additionally, you get 4 complimentary Airport Meet & Assist services per annum (max 1 per calendar quarter). Note that usage of Priority Pass within India is chargeable.
BENEFITSWhat lifestyle benefits are available with the Zenith+ Credit Card?
The Zenith+ Credit Card offers a rich set of lifestyle privileges including up to 16 complimentary buy-one-get-one (BOGO) movie or event tickets via BookMyShow (up to 4 BOGO tickets per calendar quarter with discounts of up to ₹500 per ticket), and 8 complimentary golf games or lessons annually (up to 2 per calendar quarter). To book golf sessions, you can contact the concierge at 1800 210 0298 (toll-free) or 022-42320298.
BENEFITSWhat insurance benefits come with the Zenith+ Credit Card?
The Zenith+ Credit Card offers comprehensive insurance coverage including up to ₹2 crore air accident cover, up to ₹15 lakh credit shield and card liability cover, and up to ₹50,000 purchase protection. It also covers travel-related incidents such as baggage delay, flight delay, loss of passport, and plane hijack. To claim any insurance benefit, you can call Customer Care at 1800 1200 1500.
INTERNATIONALWhat is the forex markup fee on the Zenith+ Credit Card?
The Zenith+ Credit Card offers a low forex markup fee of just 0.99%, making it an excellent choice for frequent international travelers. This is significantly lower than the typical 3.5% charged by most credit cards, helping you save considerably on foreign currency transactions. The card also provides 2X reward points on international spends, adding further value to your overseas purchases.
FEESHow can I get the annual fee waived on the Zenith+ Credit Card?
From the second year onwards, the annual membership fee of ₹4,999 on the Zenith+ Credit Card can be waived if you achieve net retail spends of ₹8 lakh or more in the previous card anniversary year. It is important to note that special merchant category transactions such as utility, insurance, rent, education, government payments, fuel, cash, and EMI transactions are typically excluded from retail spend calculations.
REWARDSWhat milestone benefit can I earn with the Zenith+ Credit Card?
The Zenith+ Credit Card offers two milestone benefits. First, you can earn up to 1,000 Reward Points on a minimum retail spend of ₹75,000 per statement cycle. Second, you can earn a complimentary Taj Epicure Membership on achieving a minimum of ₹12 lakh retail spends in a card anniversary year. Note that utility, insurance, rent, education, government, fuel, cash, and EMI transactions are not eligible for milestone calculations.
APPLICATIONHow do I apply for the Zenith+ Credit Card?
You can apply for the Zenith+ Credit Card online by visiting the AU Small Finance Bank website and clicking the 'Apply Now' button on the Zenith+ Credit Card page. You can also track your credit card application status through the bank's website. For personal assistance, you can reach out to AU Small Finance Bank's customer support. Ensure you meet the eligibility criteria including the minimum monthly income of ₹2.5 lakh before applying.
BENEFITSAre add-on cards available with the Zenith+ Credit Card?
Yes, the Zenith+ Credit Card offers add-on cards at no extra cost. Add-on cardholders must be at least 18 years of age. This allows you to extend the card's benefits to your family members without incurring additional fees, making it a cost-effective way for your loved ones to enjoy the premium benefits of the Zenith+ Credit Card.
BENEFITSWhat fraud protection features does the Zenith+ Credit Card offer?
The Zenith+ Credit Card offers zero liability on fraudulent transactions made on your lost or stolen card, provided you report the card loss to the bank promptly. The card also protects against counterfeit and skimming frauds as well as online frauds. Additionally, it is a contactless card with advanced security features. The card liability cover goes up to ₹15 lakh, offering comprehensive financial protection against unauthorized usage.
BENEFITSIs there a fuel surcharge waiver on the Zenith+ Credit Card?
Yes, the Zenith+ Credit Card offers a 1% fuel surcharge waiver, with a maximum waiver of ₹1,000 per statement cycle. This benefit helps you save on fuel expenses at petrol stations across India. However, please note that fuel transactions are not eligible for earning Reward Points and are also excluded from milestone spend calculations.
OTHERWhat is the customer support contact for the Zenith+ Credit Card?
Zenith+ Credit Card holders can access priority customer service by emailing creditcard.priority@aubank.in. For insurance claims, you can call the Customer Care number at 1800 1200 1500. For airport lounge Meet & Assist services and golf bookings, you can contact the concierge at 1800 210 0298 (toll-free) or 022-42320298. The card also comes with 24x7 Global Concierge Assistance for round-the-clock support.

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