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

Add-on Card Fee

Free per supplementary card

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.

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.

Expert Review

Our Verdict

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

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