AU Bank Zenith+ Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Customers get to choose from a range of Luxury brand vouchers or reward points worth Rs 5,000 on Zenith+ card activation.
Milestone Benefits
Milestone Benefit: 1,000 reward points on a minimum retail spend of Rs 75,000 per statement cycle, and complimentary Taj Epicure membership on a minimum net retail spend of Rs Rs 12 Lakhs in a card anniversary year.
Cashback Rate
The value of 1 reward point is INR 1.
Users will earn 2 reward points for every INR 100 spent on travel, dining, and international spending. Effective cashback rate: 2% (on travel, dining, and international spending),
1 reward point per INR 100 on retail spending across all merchant categories. Effective cashback rate: 1% .
Movie Benefits
Free 16 complimentary buy-one-get-one movie/event tickets from BookMyShow. (Up to 4 BOGO tickets every calendar quarter with discounts of up to INR 500 per ticket.)
Dining Benefits
Reward System: Users will earn 2 reward points for every INR 100 spent on travel, dining, and international spending. 1 reward point per INR 100 on retail spending across all merchant categories. The value of 1 reward point is INR 1. Effective cashback rate: 2% (on travel, dining, and international spending.
Other Benefits
Low foreign currency mark-up fees of 0.99% on all international transactions.
Get end-to-end airport VIP check-in with 4 complimentary services per annum (max 1 per calendar quarter).
Free 16 complimentary buy-one-get-one movie/event tickets from BookMyShow. (Up to 4 BOGO tickets every calendar quarter with discounts of up to INR 500 per ticket.)
8 free golf games/lessons annually. (Up to 2 complimentary golf rounds/lessons per calendar quarter).
Free 24x7 concierge service.
5000 Bonus Reward Points on paying annual/renewal membership fees
Air Accident Cover - Up to INR 2 Crore
Card Liability Cover - Up to INR 15 Lakhs
Credit Shield - Up to INR 15 Lakhs
Purchase Protection - Up to INR 50,000
Lounge Access
16 free domestic airport lounge visits.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Customers get to choose from a range of Luxury brand vouchers or reward points worth Rs 5,000 on Zenith+ card activation.
Milestone Benefits
Milestone Benefit: 1,000 reward points on a minimum retail spend of Rs 75,000 per statement cycle, and complimentary Taj Epicure membership on a minimum net retail spend of Rs Rs 12 Lakhs in a card anniversary year.
Cashback Rate
The value of 1 reward point is INR 1.
Users will earn 2 reward points for every INR 100 spent on travel, dining, and international spending. Effective cashback rate: 2% (on travel, dining, and international spending),
1 reward point per INR 100 on retail spending across all merchant categories. Effective cashback rate: 1% .
Movie Benefits
Free 16 complimentary buy-one-get-one movie/event tickets from BookMyShow. (Up to 4 BOGO tickets every calendar quarter with discounts of up to INR 500 per ticket.)
Dining Benefits
Reward System: Users will earn 2 reward points for every INR 100 spent on travel, dining, and international spending. 1 reward point per INR 100 on retail spending across all merchant categories. The value of 1 reward point is INR 1. Effective cashback rate: 2% (on travel, dining, and international spending.
Other Benefits
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Lounge Access
16 free domestic airport lounge visits.
Fees & Charges
Joining Fee
N.A.(Not Applicable)
Annual Fee
Annual Membership Fee: INR 4,999 + applicable taxes.
Cash Advance Fee
2.5% of the cash withdrawal amount or Rs. 500, whichever is higher.
Interest rate
Interest Rate: 1.99% per month (23.88% annually).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 0.99%.
Other Fees
Cash Advance Charges: 2.5% of the cash withdrawal amount or Rs. 500, whichever is higher. | Reward Redemption Fees: Rs. 99 + GST
Fees & Charges
Joining Fee
N.A.(Not Applicable)
Annual Fee
Annual Membership Fee: INR 4,999 + applicable taxes.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 1.99% per month (23.88% annually).
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 0.99%.
Other Fees
Cash Advance Charges: 2.5% of the cash withdrawal amount or Rs. 500, whichever is higher. | Reward Redemption Fees: Rs. 99 + GST
Special Features
8 complimentary golf games/lessons annually. (Up to 2 complimentary golf rounds/lessons per calendar quarter).
Eligibility Criteria
Minimum monthly net income: Rs. 2.5 lakhs. This is the most important factor; if you don't meet this income threshold, you won't be eligible for the card.
Age: Primary cardholder: Between 21 and 60 years old.
Indian residency: You must be a resident of India to apply.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Visit the AU Small Finance Bank website.
Navigate to the Credit Card section and find the Zenith+ Credit Card page [AU Bank Zenith Credit Card].
Click on "Apply Online" or a similar button.
Enter your mobile number and PAN details.
Accept the Terms & Conditions and generate a One-Time Password (OTP).
The online application will ask for your personal information, employment details, and income proof.
You may be required to upload scanned documents like PAN card, address proof, and income statements.
Submit the completed application form online.
Contact Details
Contact Number: 0141-6660645
Email ID: pno@aubank.in
Account Opening and Procedure
The AU Zenith Plus Credit Card is a good option for high-income individuals who travel often and value airport lounges, low forex fees, and bonus rewards on specific categories. However, the annual fee is a significant factor. If you don't travel frequently or can't maximize the reward program, the AU Bank Zenith Card might be a better choice due to its lower fee and higher cashback potential.
The AU Zenith Plus Credit Card is a good option for high-income individuals who travel often and value airport lounges, low forex fees, and bonus rewards on specific categories. However, the annual fee is a significant factor. If you don't travel frequently or can't maximize the reward program, the AU Bank Zenith Card might be a better choice due to its lower fee and higher cashback potential.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai