About AU Zenith+ Credit Card
AU Zenith+ Credit Card is a premium metal credit card designed for frequent travellers and high spenders. It offers benefits across categories like travel credit cards, movies, golf, dining, and more. The card also includes features like complimentary airport lounge access and a low forex mark-up, making it a strong option for international travel.
As an upgraded version of AU Zenith, this AU credit card comes with better features such as lower forex charges, more lounge visits, and premium hotel memberships. However, the reward rate is slightly lower, offering up to 2% value-back despite having a higher annual fee, whereas the base Zenith card offers higher rewards.
Overall, while the rewards may not be very high, the strong travel and lifestyle benefits make AU Zenith+ a good choice for users who travel frequently and want premium experiences.
It also includes Taj Epicure Membership, reduced international transaction fees, complimentary golf rounds, 24x7 concierge services, fuel surcharge waivers, and comprehensive protection coverage, offering convenience and peace of mind in every financial transaction.
AU Zenith+ Credit Card Rewards Program
Rewards Program
- 2X Rewards: Earn 2 Reward Points per ₹100 spent on dining, travel, and international transactions
- 1X Rewards: Earn 1 Reward Point per ₹100 spent on all other eligible categories
- Redemption Value: 1 Reward Point = ₹1
- Exclusions: No reward points on fuel, cash withdrawals, and EMI transactions
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Choose between luxury brand vouchers or reward points worth ₹5,000 on card activation
Renewal Bonus
- Get 5,000 bonus reward points on renewal fee payment from the second year
Milestone Benefits
- Get 1,000 reward points on monthly spends of ₹75,000
- Enjoy complimentary Taj Epicure membership on ₹12 lakh annual spends
- Get annual fee waiver on ₹8 lakh annual spends
Forex Benefit
- Enjoy low forex mark-up fee of 0.99% on international spends
Suggested Read: Best Zero Forex Markup Credit Cards
Lounge Access
- Get 16 international lounge visits per year via Priority Pass (max 4 per quarter)
- Enjoy 16 complimentary domestic airport lounge visits annually
Entertainment Benefits
- Get up to 16 Buy 1 Get 1 movie/event tickets via BookMyShow (max ₹500 per ticket, 4 per quarter)
Golf Benefits
- Enjoy up to 8 complimentary golf rounds or lessons per year (max 2 per quarter)
Suggested Read: Best Golf Credit Cards in India for 2026
Concierge Services
- Get 4 complimentary airport meet & assist services per year (max 1 per quarter)
- Access 24×7 global concierge assistance
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹1,000 per month
Insurance Coverage
- Air accident cover up to ₹2 crore
- Card liability cover up to ₹15 lakh
- Credit shield cover up to ₹15 lakh
- Purchase protection cover up to ₹50,000
- Additional covers for device protection, baggage delay, flight delay, passport loss and more
Also Read: Best AU Credit Cards
Fees and Charges
| Feature | Details |
|---|
| Joining/Annual Membership Fees per annum | Rs.4,999 (Excluding GST) |
| Cash Advanced Fee | 2.5% of amount withdrawn, subject to a minimum of Rs.100 |
| Fuel Transaction Surcharge | 1% fuel surcharge refunded for all transactions (maximum of Rs.1,000 in a statement cycle) |
| Charges on Revolving Credit | Interest Charges: 1.99% per month (23.88% annually) |
| Charges in case of Default | Late Payment Charges (Basis credit card bill amount): - Less than or equal to Rs.100: Nil
- Above Rs.100 and up to Rs.500: Rs.100
- Above Rs.500 and up to Rs.5,000: Rs.500
- Above Rs.5,000 and up to Rs.10,000: Rs.700
- Above Rs.10,000 and up to Rs.20,000: Rs.800
- Above Rs.20,000 and up to Rs.50,000: Rs.900
- Above Rs.50,000: Rs.1,100
|
| Overlimit Charges | 2.5% of overlimit amount, subject to a minimum of Rs.500 |
| Credit Limit | Determined by AU Small Finance Bank at its discretion |
| Cash Withdrawal Limit | 20% of the card limit |
| Billing Statement Periodicity | Monthly on a pre-determined date |
| Minimum Amount Due | 5% of the total amount due, including full EMIs and previous month outstanding, or a minimum of Rs.100, whichever is higher |
| Foreign Currency Markup Fee | Currency Markup Charge: 1.99% |
| Duplicated Physical Statement Request Charges | Rs.100 |
| EMI Conversion Charges | - Xpress EMI: 1% of the amount being converted to EMI, subject to a minimum of Rs.99 plus GST
- Instant EMI: Rs.199 plus GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway
|
| Payment Return Charges | Rs.500 (On Cheque, ECS/NACH, Autopay Return) Charges applicable once for the same instrument of payment |
| Rent Transaction | 1% Processing fee will be levied on rental transaction amount on any applicable merchants from the second rental transaction onwards in a calendar month |
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Document Required For AU Zenith+ Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Zenith+ Credit Card Highlights
What do we like about this card?
- Welcome benefit of 10,000 bonus reward points on spending ₹1 lakh in the first 60 days
- Earn 20 reward points per ₹100 spent on dining
- 2X rewards on dining, travel, and international spends
- 1X reward point on every ₹100 spent on other categories
- 1 reward point equals ₹1 in redemption value
- 16 complimentary domestic and 16 international airport lounge visits per year
Things to Know Before you apply
Get this card if:
- You travel often (domestic & international) and prefer a low forex markup fee
- You're a high spender who can unlock milestone-based benefits
- You book movies/events regularly via BookMyShow
- You prefer reward points over direct cashback on spends
Pros
- Low forex markup fee of just 0.99%, ideal for international travellers
- Attractive 1:1 reward redemption ratio (1 Reward Point = ₹1)
- Access to 16 domestic + 16 international airport lounges annually
- Free movie/event tickets worth up to ₹8,000 per year via BookMyShow
- Joining and renewal benefits justify the annual fee
Cons
- Low base reward earning rate, especially on regular spends
- Milestone rewards offer limited value even on high annual spends of ₹12 lakh
Au Bank Credit Card Contact Details
- Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
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Frequently Asked Questions
Upon activating your Zenith Plus Metal credit card, you are entitled to a welcome benefit worth ₹5,000. You can choose between premium brand vouchers or equivalent reward points. Activation can be done through AU 0101 Net Banking/Mobile App, Chatbot 'AURO', or by calling 1800 1200 1500.
You’ll receive a complimentary Taj Epicure Membership when you spend ₹12 lakh in net retail transactions within a card anniversary year. Upon meeting the threshold, follow the instructions provided by the bank to claim your membership.
Earn 1,000 Reward Points every month by spending a minimum of ₹75,000 in retail transactions during your statement cycle. Certain transactions like fuel, EMI, and cash advances are excluded.
With your Zenith Plus Metal card, you get access to 16 International Airport Lounges via Priority Pass. Simply present your card at eligible lounges to gain entry.
You’re entitled to 4 complimentary airport Meet & Assist Concierge services per year. To book, call the concierge desk at 1800 210 0298 (toll-free) or 022-42320298 with your travel details.
Your accumulated reward points can be redeemed for merchandise, gift vouchers, and more via the AU Small Finance Bank’s rewards platform.
Enjoy one of the lowest cross-currency mark-up fees at just 0.99% on international transactions made with your Zenith Plus Metal card.
Your card includes:
Air Accident Insurance: Up to ₹2 Crore
Card Liability Cover: Up to ₹15 Lakhs
Credit Shield: Up to ₹15 Lakhs
Purchase Protection: Up to ₹50,000
Travel inconvenience covers (flight delay, baggage delay/loss, passport loss, hijack cover, etc.)
For any insurance-related claims, contact AU Bank Customer Care at 1800 1200 1500. The team will assist you with documentation and claims procedures.
AU SMALL FINANCE BANK
Credit Card Division, 3rd Floor, Sunny Trade Centre,
New Atish Market, Jaipur, Rajasthan - 302020
