AU Bank Zenith Plus Credit Card
AU Small Finance Bank AU Small Finance Bank

AU Bank Zenith Plus Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹4999* Plus Applicable Taxes

Renewal Fee: ₹4999*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Fuel Fuel
Reward Points Reward Points
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Joining Fee: ₹4999* + Tax

Renewal Fee: ₹4999* + Tax

Welcome benefits:- Welcome benefit of 10,000 bonus reward points on spending ₹1 lakh in the first 60 days

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About AU Bank Zenith Plus Credit Card

The AU Bank Zenith+ Credit Card is a premium metal credit card designed for frequent travelers and high spenders, offering a wide range of lifestyle and travel benefits. Positioned alongside other top-tier cards like SBI Card ELITE and HDFC Regalia Gold, Zenith+ stands out with perks across categories such as international travel, dining, golf, and entertainment. The card further enhances its appeal with complimentary airport lounge access, a lower forex markup fee, and premium hotel memberships.

As an upgraded version of the AU Zenith Credit Card, the Zenith+ offers enhanced travel features and a more exclusive experience. However, it falls slightly behind in terms of rewards, offering up to 2% value-back, compared to Zenith’s up to 5% return in reward points. Despite the higher annual fee, the AU Zenith+ Credit Card remains a strong option for those who prioritize luxury travel benefits and global privileges, even if rewards aren’t the main focus. Read on for a detailed breakdown of features to help you decide if this premium card aligns with your lifestyle.

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 Bank Zenith Plus 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

Other Features and Benefits

Welcome Benefit:
Choose between luxury brand vouchers or reward points worth ₹5,000 upon card activation.

Renewal Bonus:
Receive 5,000 bonus reward points on paying the renewal fee from the second year onwards.

Milestone Rewards:

  • 1,000 points on ₹75,000 monthly spends.
  • Free Taj Epicure Membership on ₹12L annual spend.
  • Annual fee waived on ₹8L spend.

Taj Epicure Membership:
Get a complimentary Taj Epicure Membership on annual retail spends of ₹12 lakh. Enjoy exclusive discounts and privileges at Taj Hotels, including dining and wellness benefits.

Low International Mark-Up Fee:
Enjoy a reduced forex markup fee of just 0.99% on international transactions, making it ideal for frequent global travellers.

Airport Meet & Assist:
Avail 4 complimentary Meet & Assist services at select Indian airports every calendar year.

International Lounge Access:
Enjoy access to 16 international airport lounges through Priority Pass, with 4 complimentary visits per quarter.

Domestic Lounge Access:
Get 16 complimentary domestic airport lounge visits annually across major airports in India.

BookMyShow Offer:
Get 16 complimentary Buy 1 Get 1 free movie/event tickets annually (up to 4 per quarter), with a maximum discount of ₹500 per ticket.

Complimentary Golf Rounds:
Enjoy up to 8 complimentary golf rounds or lessons every year at premium courses.

Fees and Charges

FeatureDetails
Joining/Annual Membership Fees per annumRs.4,999 (Excluding GST)
Cash Advanced Fee2.5% of amount withdrawn, subject to a minimum of Rs.100
Fuel Transaction Surcharge1% fuel surcharge refunded for all transactions (maximum of Rs.1,000 in a statement cycle)
Charges on Revolving CreditInterest Charges: 1.99% per month (23.88% annually)
Charges in case of Default

Late Payment Charges (Basis credit card bill amount):

  1. Less than or equal to Rs.100: Nil
  2. Above Rs.100 and up to Rs.500: Rs.100
  3. Above Rs.500 and up to Rs.5,000: Rs.500
  4. Above Rs.5,000 and up to Rs.10,000: Rs.700
  5. Above Rs.10,000 and up to Rs.20,000: Rs.800
  6. Above Rs.20,000 and up to Rs.50,000: Rs.900
  7. Above Rs.50,000: Rs.1,100
Overlimit Charges2.5% of overlimit amount, subject to a minimum of Rs.500
Credit LimitDetermined by AU Small Finance Bank at its discretion
Cash Withdrawal Limit20% of the card limit
Billing Statement PeriodicityMonthly on a pre-determined date
Minimum Amount Due5% of the total amount due, including full EMIs and previous month outstanding, or a minimum of Rs.100, whichever is higher
Foreign Currency Markup FeeCurrency Markup Charge: 1.99%
Duplicated Physical Statement Request ChargesRs.100
EMI Conversion Charges
  1. Xpress EMI: 1% of the amount being converted to EMI, subject to a minimum of Rs.99 plus GST
  2. 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 ChargesRs.500 (On Cheque, ECS/NACH, Autopay Return) Charges applicable once for the same instrument of payment
Rent Transaction1% Processing fee will be levied on rental transaction amount on any applicable merchants from the second rental transaction onwards in a calendar month

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

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For AU Bank Zenith Plus 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

AU Bank Zenith Plus Credit Card Hilights

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

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

Frequently Asked Questions

Everything you need to know about this credit card

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

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