AU Bank Zenith+ Credit Card

AU Bank Zenith+ Credit Card is a lifestyle credit card from AU Small Finance Bank. The value of 1 reward point is ₹1.

Annual fee: Annual Membership Fee: ₹4,999 +…
Forex markup: 0.99%
Interest: 1.99% per month (23.88% annually)

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Welcome benefits

Customers get to choose from a range of Luxury Brand Vouchers or Reward points worth ₹5,000 on Zenith+ card activation

Rewards & cashback

The value of 1 reward point is ₹1
Users will earn 2 reward points for every ₹100 spent on travel, dining, and international spending
Effective cashback rate: 2% (on travel, dining, and international spending),
1 reward point per ₹100 on retail spending across all merchant categories
Effective cashback rate: 1%

Milestone benefits

1,000 reward points on a minimum retail spend of ₹75,000 per statement cycle, and complimentary Taj Epicure membership on a minimum net retail spend of Rs ₹12 Lakhs in a card anniversary year

Airport lounge access

16 free domestic airport lounge visits

Movies

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 ₹500 per ticket.)

More benefits & features

8 complimentary golf games/lessons annually (Up to 2 complimentary golf rounds/lessons per calendar quarter).
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)
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

Fees & charges

Annual fee: Annual Membership Fee: ₹4,999 + taxes
Foreign currency markup: 0.99%
Interest rate: 1.99% per month (23.88% annually)
Late payment: Ranges from ₹100 to ₹1300
Cash advance: 2.5% of the cash withdrawal amount or ₹500, whichever is higher
Fuel surcharge: 1% fuel surcharge refunded for all transactions (maximum of ₹1,000/- in a statement cycle)
Billing cycle: 30 Days
Other fees: 2.5% of the cash withdrawal amount or ₹500, whichever is higher. | Reward Redemption Fees: ₹99 + GST

Pros and cons

What works well

Customers get to choose from a range of Luxury brand vouchers or reward points worth ₹5,000 on Zenith+ card activation
1,000 reward points on a minimum retail spend of ₹75,000 per statement cycle, and complimentary Taj Epicure membership on a minimum net retail spend of ₹12 Lakh in a card anniversary year
Users will earn 2 reward points for every ₹100 spent on travel, dining, and international spending. 1 reward point per ₹100 on retail spending across all merchant categories
The value of 1 reward point is ₹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

Worth knowing

Lower reward rates

Who can apply

Minimum monthly net income: ₹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

How to apply

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

Details come from information published by AU Small Finance Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.