Super-premium metal credit card offering 0.99% forex markup, 16 Priority Pass lounges, and Taj Epicure.
Luxury Travelers, Frequent International Flyers, High Spenders & Golf Enthusiasts
₹4,999
One-time upfront₹4,999
Waived on ₹8 lakh annual spend2 Reward Points per ₹100 spent (1.0% return; 1 RP = ₹0.50 on travel)
On eligible spends4 Domestic visits/quarter + 16 International visits/year
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Zenith+ Credit Card is AU Small Finance Bank's flagship metal offering and one of the most formidable super-premium credit cards issued in India. Designed for frequent flyers and affluent spenders, its standout value proposition begins with an ultra-competitive 0.99% foreign currency markup (approx 1.17% net of GST), positioning it alongside the finest international travel cards on the market. Reward economics are exceptional: cardholders earn 2 Reward Points per ₹100 spent on dining, international retail, and travel bookings (2.0% return) and 1 Reward Point per ₹100 on general retail (1.0% return), with a straightforward 1 RP = ₹1.00 valuation on flights, hotels, and luxury merchandise. Travel privileges are among the most generous available in the sub-₹10,000 fee segment: 16 complimentary domestic airport lounge visits annually (4 per quarter) plus 16 complimentary international lounge visits annually (4 per quarter) via complimentary Priority Pass. Cardholders also enjoy 4 complimentary airport Meet & Assist services per year, 8 complimentary golf rounds or lessons annually, and Buy One Get One (BOGO) movie tickets on BookMyShow up to 16 times a year (up to ₹500 off on the second ticket). Hitting the annual spend milestone of ₹12 Lakhs unlocks a complimentary Taj Epicure Membership, granting luxury dining and stay privileges across IHCL properties. The card's joining fee of ₹4,999 + GST is effectively fully offset by ₹5,000 in welcome brand vouchers or reward points. Limitations include an ₹8,00,000 annual spend hurdle to waive the renewal fee and the exclusion of fuel, rent, and wallet reloads from reward accrual. Who should consider it: High-spending professionals, globetrotters, and luxury travelers spending ₹70,000+ monthly who want premier airport lounge access, golf, low forex fees, and high-value travel rewards. Who should look elsewhere: Spenders with domestic-only budgets under ₹40,000 monthly who cannot maximize the ₹4,999 annual fee.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining, International & Travel Spends | 4X Reward Points (4.0% return) on dining, international transactions, and flight/hotel bookings | 10,000 Reward Points / statement cycle | Standard terms apply |
| All Other Retail Spends | 2 Reward Points per ₹100 spent (1.0% base return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining, International & Travel Spends | ₹12,000 | 4X Reward Points (4.0% return) on dining, international transactions, and flight/hotel bookings | — | ₹10,000/statement_cycle | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (1.0% base return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹4,999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
1,000 Bonus Reward Points on spending Rs 75,000 or more in a calendar month.
Taj Epicure Membership or luxury brand gift voucher worth Rs 10,000 on spending Rs 12 Lakhs in a year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee & Welcome Benefits: Joining fee ₹4,999 + GST; annual renewal fee ₹4,999 + GST waived on cumulative retail spending of ₹8,00,000 or more in the preceding anniversary year. Welcome gift of luxury brand vouchers or reward points worth ₹5,000 upon paying the joining fee and completing card activation. Rewards Structure: Earn 2 Reward Points per ₹100 spent on Dining, Travel bookings, and International retail (2.00% return); earn 1 Reward Point per ₹100 on all other eligible domestic retail spending (1.00% return). 1 Reward Point = ₹1.00 when redeemed for flights, hotels, or curated merchandise on the AU Rewardz portal. Airport Lounges & Travel: 16 complimentary domestic airport lounge visits per calendar year (up to 4 visits per calendar quarter) across primary terminals in India. 16 complimentary international airport lounge visits per calendar year (up to 4 visits per quarter) via complimentary Priority Pass membership. 4 complimentary Airport Meet & Assist services annually at participating major domestic airports. Luxury & Lifestyle Privileges: Complimentary Taj Epicure Membership awarded upon achieving an annual retail spend milestone of ₹12 Lakhs. Up to 16 Buy One Get One (BOGO) movie tickets per calendar year on BookMyShow (up to ₹500 discount on the second ticket, max 2 per month). 8 complimentary golf games or lessons per calendar year. Forex & Fuel: Preferential 0.99% foreign currency markup on all international transactions (one of the lowest in India). 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across all domestic fuel pumps. Exclusions: Rent transactions, wallet loads, fuel purchases, government payments, and cash advances do not accrue reward points.
Evaluate whether this card's perks and waiver threshold justify its ₹4,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Zenith+ Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official AU Small Finance Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
AU Small Finance Bank has sharply devalued AU Zenith and AU Vetta credit cards effective October 1, 2026. Zenith's forex markup jumps from 1.99% to 3.49% with fuel waiver slashed by 90%, while Vetta moves to 3.49%. Here is CardRecommend's detailed financial impact analysis and comparison with Zenith+ and ixigo AU.
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