AU Bank Zenith+ Credit Card
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.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
AU Bank Zenith+ Credit Card – Features, Benefits, and Review
The AU Bank Zenith+ Credit Card is a premium lifestyle card designed for individuals who value luxury, travel, and rewards on their everyday spending. It is especially suited for high-income professionals, frequent travelers, and lifestyle enthusiasts who want exclusive privileges along with practical financial benefits. From complimentary airport lounge access to milestone rewards, dining discounts, and insurance coverage, this card combines convenience, style, and high-value returns.
Welcome Benefits
New Zenith+ cardholders are welcomed with attractive perks:
- Choose between ₹5,000 worth of vouchers from luxury brands like Taj Hotels, Michael Kors, and Tata Cliq, or 5,000 Reward Points.
- The welcome gift can be claimed via the AU 0101 mobile app, net banking, AURO chatbot, or by calling the toll-free helpline at 1800 1200 1500.
This makes joining the AU Zenith+ Credit Card rewarding right from the start.
Reward Points Program
The AU Bank Zenith+ Credit Card has a rewarding points system tailored to maximize value on select spending categories:
- Earn 2 Reward Points (RPs) per ₹100 spent on travel, dining, and international transactions.
- Earn 1 RP per ₹100 on all other eligible purchases.
- Each RP is equivalent to ₹1, allowing for easy redemption for vouchers, gift cards, or travel bookings.
- Cash advances, fuel purchases, and EMI conversions are not eligible for reward points.
This system makes the card ideal for those who spend frequently on travel, dining, and luxury experiences, providing higher returns on categories that matter most to premium cardholders.
Travel and Airport Benefits
Travel is a major highlight of the AU Zenith+ Credit Card. Cardholders enjoy premium airport services and lounge access for a more comfortable journey:
- 16 complimentary international lounge visits per year with Priority Pass, limited to four visits per quarter.
- 16 domestic lounge visits annually, also capped at four per quarter.
- VIP Meet and Greet service at airports, available four times a year (once per quarter) to assist with check-in and luggage handling.
These travel privileges make the card an excellent choice for frequent flyers who value convenience and comfort.
Golf Benefits
The AU Zenith+ Credit Card is also designed for golf enthusiasts:
- Up to 8 complimentary rounds or lessons per year, limited to two per quarter.
- Requests can be made through the concierge desk, and confirmations are sent via email.
This benefit makes the card an excellent choice for those who enjoy premium recreational activities.
Dining and Entertainment Perks
Cardholders can also enjoy lifestyle benefits in dining and entertainment:
- 16 complimentary Buy One Get One (BOGO) movie tickets annually via BookMyShow, with a maximum of four tickets per quarter and ₹500 maximum discount per booking.
- Up to 30% savings at partner restaurants through the Silver Spoon dining program.
These perks ensure that both entertainment and dining experiences are highly rewarding for cardholders.
Insurance and Protection
The AU Zenith+ Credit Card comes with multiple insurance benefits exclusively for primary cardholders:
- Air Accident Insurance up to ₹2 Crore.
- Card Liability Cover up to ₹15 Lakhs.
- Credit Shield Cover up to ₹15 Lakhs.
- Purchase Protection up to ₹50,000.
- Travel insurance for baggage delays, flight delays, passport loss, and even hijacking.
These covers provide added security for frequent travelers and ensure peace of mind while using the card.
Renewal Benefits
From the second year onwards, the AU Zenith+ Credit Card offers 5,000 Reward Points on payment of the renewal fee. Points can be redeemed immediately, helping to offset annual card costs.
Fees and Charges
Here is a clear breakdown of the card’s costs:
- Annual fee: ₹4,999 + taxes (renewal fee waived on annual spends above ₹8 lakhs).
- Interest rate: 1.99% per month (23.8% annually).
- Foreign exchange markup fee: 0.99% per transaction, making it cost-efficient for international usage.
- Cash advance fee: 2.5% of the withdrawal amount or a minimum of ₹100.
Milestone Rewards
The card also recognizes consistent spending with milestone bonuses:
- Earn 1,000 bonus RPs on monthly spending of ₹75,000 or more.
- Achieve ₹12 lakhs in a card anniversary year and receive a complimentary Taj Epicure Membership, which offers:
- 25% off food and beverages at Taj properties.
- 20% discount on Qmin App orders.
- 20% off spa treatments and salon services.
- 20% savings on banquets and other Taj services.
These milestone rewards are ideal for customers who frequently travel, dine, and spend on lifestyle experiences.
Eligibility Criteria
Applicants must meet the following requirements to apply for the AU Zenith+ Credit Card:
- Age: 21 to 60 years for primary cardholders; add-on cardholders must be at least 18.
- Must be a resident of India.
- Minimum monthly net income: ₹2.5 lakhs.
AU Bank Zenith+ Credit Card Review
The AU Bank Zenith+ Credit Card is an ideal choice for individuals looking for luxury, convenience, and high rewards in one card. With benefits like complimentary domestic and international lounge access, free golf rounds, dining discounts, BOGO movie tickets, and milestone rewards like the Taj Epicure Membership, the card provides excellent value.
Additionally, the card’s reward points system, low forex markup, and comprehensive insurance coverage make it a practical yet premium financial tool. For frequent travelers and high-income individuals, the AU Zenith+ Credit Card is a strong option, offering both lifestyle privileges and significant financial benefits.
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’ll get a Taj Epicure Membership for free.
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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