AU Zenith+ Credit Card

The AU Zenith+ Credit Card is a premium metal-credit-card from AU Small Finance Bank designed for affluent customers who seek lifestyle benefits, travel perks, and high-value rewards. It positions itself as a “Crowning Symbol of Success,” offering an array of benefits — from lounge access and golf rounds to movie passes and concierge services — aimed at those who travel frequently or enjoy premium experiences.

AU Zenith+ Credit Card

Joining Fees	₹ 4,999 + applicable taxes
Annual Fees	₹ 4,999 + applicable taxes
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

Earn 2 Reward Points (RPs) for every ₹100 spent on dining, travel, and international transactions; 1 RP per ₹100 on other eligible spends.
Up to 16 complimentary domestic + 16 international airport lounge visits per year (subject to quarterly caps).
Up to 8 complimentary golf rounds or lessons per year.
16 Buy-One-Get-One (BOGO) movie tickets per year (via BookMyShow or partner platform).
Low foreign-exchange markup — 0.99% on international spends.
Fuel surcharge waiver: 1% surcharge waived (on eligible fuel transactions), capped at ₹1,000 per statement month.
Milestone benefits: bonus 1,000 RPs if monthly retail spends exceed ₹75,000; comp

Fees & Charges

Joining / Annual membership fee: ₹ 4,999 + applicable taxes.
Annual fee waiver if net retail spends in previous anniversary year ≥ ₹ 8,00,000.
Foreign currency conversion (forex markup): 0.99% per international transaction.
Fuel surcharge waiver applies on eligible fuel transactions, up to ₹1,000 per statement month.
Cash withdrawal / cash advance fees: Zero cash withdrawal fees for Zenith+ — no charges on cash withdrawal.

Card Details

Premium metal-crafted card, signalling a luxury and lifestyle-oriented offering.
Available on both Visa and RuPay networks (for Zenith+ Metal Card).
Tailored for high-income individuals — monthly net income eligibility criteria apply.
Includes privileges like lounge access, movie privileges, golf rounds, concierge services, and curated offers (hotels, villas, dining).
Designed for frequent travellers, luxury-lifestyle seekers, and high-spend users — reward structure and perks align with such usage.

Pros & Cons

High-value lifestyle perks (lounge, movies, golf, dining) — excellent for frequent travellers and luxury seekers.
Strong reward earning (2× on dining/travel/intl spends) and milestone/renewal bonuses.
Low forex markup — beneficial for international transactions.
Annual fee waiver possibility if spends are high (₹ 8 lakhs per year).
Welcome benefit (vouchers or 5,000 RPs) helps offset initial cost.

High joining/annual fee — ₹ 4,999 + taxes (may not suit low-spend users).
Requires high monthly income — not accessible to all.
Perks deliver value only if used regularly — otherwise low ROI.
Milestone rewards require high spending thresholds (₹75,000 monthly or ₹12 lakhs annually).

ELIGIBILITY CRITERIA

Primary cardholder must have a net monthly income of ₹ 2.5 lakhs.
Age criteria: Salaried — 21 to 60 years; Self-employed — 25 to 65 years.
Add-on cardholders must be over 18 years.
Must be a resident Indian.

WELCOME BENEFITS
On activation, the primary cardholder can choose either: Luxury-brand vouchers worth ₹ 5,000 or 5,000 Reward Points.

CARD REVIEW
The AU Zenith+ Credit Card is best suited for high-income individuals who travel frequently, dine out often, or enjoy lifestyle perks such as golf and movies. For such users, the reward rate on travel/dining/international spends, combined with lounge access and milestone bonuses, provides compelling value and helps offset the ₹ 4,999 fee. However, for moderate spenders or those who rarely travel or use lifestyle benefits, the cost may outweigh the benefits — especially given the spend thresholds required for fee waiver and milestone bonuses. It’s a premium-segment credit card that delivers value only when used actively.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Zenith+ Credit Card