AU Bank Zenith+ Credit Card
Rewards & Benefits
Welcome Benefits
Customers get to choose from a range of Luxury Brand Vouchers or Reward points worth INR 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
Dining Benefits
Other Benefits
Lifetyle privileges. 
Lounge Access
Fees & Charges
Joining Fee
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
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
दोष
Lower reward rates.
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: 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), 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.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Contact Number: 0141-6660645
Email ID: pno@aubank.in
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
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: 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), 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.
Lower reward rates.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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