AU Bank Zenith+ Credit Card

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The AU Bank Zenith+ Metal Credit Card is a premium card designed for frequent travelers and high spenders. It has a joining fee of ₹4,999 and offers a welcome gift of ₹5,000 in luxury brand vouchers or reward points. Cardholders earn 2 reward points per ₹100 on dining, travel, and international spends, while other expenses earn 1 point per ₹100. This makes it beneficial for those who frequently spend in travel-related categories.

The card includes 16 free domestic and international airport lounge visits per year, a complimentary Taj Epicure membership on spending ₹12 lakh annually, free golf rounds, and buy-one-get-one (BOGO) movie tickets via BookMyShow. A key benefit is its low 0.99% forex markup fee, making international transactions more cost-effective. While it has more features than the Zenith Credit Card, its lower reward rate may not appeal to those looking for higher reward earnings.

Credit Card Detail
AU Bank Zenith+ Credit Card
Joining Fee
Rs. 4999.00 +GST
Renewal Fee
Rs. 4999.00 +GST
Best Suited For
Shopping | Travel | Dining | Movies
Reward Type
Reward Points
Welcome Benefits
Get luxury gift vouchers or reward points worth ₹5,000.
Apply Now
Rewards Rate
Earn 2 reward points for every ₹200 spent on dining, travel, and international transactions. Get 1 reward point for every ₹100 spent on all other purchases.
Reward Redemption
N/A
Movie & Dining
Get up to 16 free movie tickets per year with the Buy One Get One offer, limited to 4 tickets per quarter.
Travel
Get a free Taj Epicure Membership when you spend ₹12 lakh in a year.
Golf
Get 8 free golf lessons per year, with a maximum of 2 per quarter.
Domestic Lounge Access
Get 4 free lounge visits every quarter, totaling 16 visits per year.
International Lounge Access
Get 16 free international lounge visits.
Insurance Benefits
Free device protection plan.
Interest Rates
Interest rate of 1.99% per month or 23.88% per year.
Spend-Based Waiver
No renewal fee if you spend ₹8 lakh in a year.
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
N/A
Foreign Currency Markup
0.99% +GST
Fuel Surcharge
1% fuel surcharge waived, up to ₹1,000 per billing cycle.
Card Details
  • Welcome Gifts: Get luxury brand vouchers or reward points worth ₹5,000 when you activate your card.
  • Earning Rewards: Earn 2 points per ₹100 spent on dining, travel, and international purchases, and 1 point per ₹100 on everything else. Plus, get 1,000 extra points when you spend ₹75,000 in a month.
  • Exclusive Perks: Enjoy 16 free domestic and international airport lounge visits each year and 16 free movie tickets (max 4 per quarter) via BookMyShow.
  • Special Memberships: Spend ₹12 lakh in a year and get a free Taj Epicure Membership, offering discounts and perks at Taj Hotels.
  • Travel & Leisure: Get 8 free golf rounds or lessons each year and 4 free Meet & Assist airport concierge services in India.
  • Low Forex Fee: Pay only 0.99% on international transactions, making foreign spending cheaper.
  • Extra Benefits: Enjoy concierge services, fuel surcharge waivers, priority customer support, and free device protection.
  • Annual Fee & Waiver: The ₹4,999 yearly fee is waived from the second year if you spend ₹8 lakh in the previous year.
  • Insurance & Security: Get coverage for air accidents, card fraud, credit protection, and purchase security.
Pros/Cons
Pros
- This card offers great value with 1 Reward Point equal to ₹1, free access to both domestic and international airport lounges, and welcome plus renewal perks worth ₹10,000. It also comes with a low forex markup fee of just 0.99%, making international transactions more affordable.
Cons
- This card has some limitations, such as reward points being convertible only into CV Points for travel miles. To unlock certain perks, you need to spend ₹12 lakh in a year, and the milestone benefits are limited to Taj Hotels. Additionally, you won’t earn reward points on cash withdrawals, EMI transactions, or fuel purchases.
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Frequently Asked Questions

What are the movie and dining benefits offered by the card?

You get up to 16 free movie tickets per year on a buy-one-get-one offer (limit of 4 per quarter), with a maximum discount of ₹500 per ticket. Plus, enjoy a 30% discount at select restaurants through the Silver Spoon dining program.

What is the forex markup fee?

The card charges a low forex fee of 0.99% on international transactions.

What are the milestone benefits?

You earn 1,000 Reward Points each month when you spend ₹75,000. If you spend ₹12 lakh in a year, you get a free Taj Epicure Membership.

What is the Welcome Benefit?

You can choose luxury brand vouchers or Reward Points worth ₹5,000 after activating your card via AU 0101 Net Banking, Mobile App, Chatbot 'AURO,' or by calling 1800 1200 1500

How can I redeem my Reward Points?

Redeem points for gift vouchers, merchandise, and more as per the bank's rewards catalog.

Is there a minimum income requirement to be eligible for the AU Zenith+ credit card?

Yes, the minimum income requirement is Rs. 2.5 lakh per month. Additional eligibility criteria include being an Indian resident, aged between 21 and 60 years, and having a good credit score.

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