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AU Bank Zenith+ Credit Card

Product Details
Credit Card Name : 

AU Bank Zenith+ Credit Card

Bank Name :

AU Small Finance Bank

Type :

Lifestyle Credit Card

Interest Rate : 

1.99% per month (23.88% annually)

Eligibility :

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.

AU Bank Zenith+ Credit Card
Pros
  • Welcome Benefit: Customers get to choose from a range of Luxury Brand Vouchers or Reward points worth INR 5,000 on Zenith+ card activation.

  • Milestone Benefit: 1,000 Reward Points on a minimum retail spend of INR 75,000 per statement cycle, and Complimentary Taj Epicure Membership on a minimum net retail spend of INR 12 Lakh in a card anniversary year. 

  • Reward System: Earn 2 Reward Points for every INR 100 spent on travel, dining, and international spending. Earn 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), and 1% for other spending.  Additional customers also get 5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.

  • Other Benefits: Airport meal and assistance facilities available, and Domestic and International lounge access facility available. Offers on movie tickets are available to the customers. Comprehensive protection cover. 

Cons
  • Lower reward rates. 

Pros & Cons
Welcome Benefits

Welcome Benefit: Customers get to choose from a range of Luxury Brand Vouchers or Reward points worth INR 5,000 on Zenith+ card activation.

Rewards System
  • Earn 2 Reward Points for every INR 100 spent on travel, dining, and international spending. 

  • Earn 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), and 1% for other spending.  

  • Additional customers also get 5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.

International Forex Markup

IFM: 0.99%

Welcome Benefits and Reward System
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.

Benefits
  • Lifetyle privileges. 

  • Travel Benefits.

  • Comprehensive Insurance Covers.

  • Milestone rewards.

  • Annual fees payment rewards. 

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
AU Bank Zenith+ Credit Card

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

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

Product Review
Fees & Charges
  • Annual Membership Fee: INR 4,999 + applicable taxes.

  • Cash Advance Charges: 2.5% of the Cash withdrawal amount or Rs. 500, whichever is higher.

  • Interest Rate: 1.99% per month (23.88% annually).

  • Late Payment Charges: Ranges from INR 100 to INR 1300. 

  • Foreign Currency Mark-up Fees: 0.99%.

  • Reward Redemption Fees: Rs. 99 + GST

Fuel Surcharge

1% fuel surcharge refunded for all transactions (maximum of Rs. 1,000/- in a statement cycle).

Billing Cycle

30 Days

Fees & Charges
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