AU Zenith Plus offers a good joining and renewal bonuses that compensate for the card fee charged. However, the accelerated rewards rate of 2% on select spending categories with a base rate of 1% is low for a premium card, especially when compared with other cards like Cashback SBI that comes at a much lower fee and offers 5% value-back on all online and 1% on offline spends. If we compare the value-back rate on travel expenses, travel cards like Axis Atlas and Air India SBI Signature still outshine Zenith+ by offering up to 5% and 4% savings respectively. So, the one advantage that Zenith+ seems to have when it comes to its rewards program is the rewards redemption ratio of 1:1 which is quite good and can give this card a slight edge over other all-rounder cards with a high earning rate but a low redemption value.
AU Small Finance Bank
AU Zenith+ Credit Card
Travel
Movies
Reward Points
1st Year Fee: ₹4,999* Plus Applicable Taxes
Lounge Access
Up to 32 free airport lounge visits per year
International Use
Low forex mark-up fee of just 0.99%
Movies
Up to 16 free movie tickets in a year
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About AU Zenith+ Credit Card
AU Zenith+ Credit Card is a premium metal card that caters to the needs of frequent travellers as well as rewards high-spenders. A competitive addition to the list of premium cards, such as SBI Card Elite and HDFC Regalia Gold, this card offers benefits across multiple categories, like international travel, movies, golf, dining and others. Additional benefits, including complimentary airport lounge access and low forex mark-up fee further add to the card’s value.
AU Zenith+ also serves as an upgraded version of AU Zenith Credit Card and offers enhanced features, such as a lower foreign exchange mark-up fee, more complimentary lounge visits, and premium hotel membership, but falls a little behind when it comes to the reward rate with only up to 2% value-back despite charging a high annual fee. AU Zenith on the other hand offers up to 5% back as reward points. Nonetheless, impressive international travel benefits still make Zenith Plus credit card a good choice for frequent travellers. Read on to know about its detailed features that can help you decide whether this AU credit card would be the right choice for you.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the AU Small Finance Bank’s website.
Joining, Renewal & Reward Benefits
Welcome Benefit:
- Option to choose between a range of luxury brand vouchers or reward points worth Rs. 5,000 on card activation
Renewal Bonus:
- 5,000 bonus reward points on card renewal fee payment from 2nd year onwards
Rewards Program:
- 2X Rewards: 2 Reward Points on every Rs. 100 spent on dining, travel, and international spends
- 1X Rewards: 1 Reward Point on every Rs. 100 spent on other spending categories
- Redemption Value: 1 Reward Point = Rs. 1
- Exclusions: No reward points are awarded on cash, fuel and EMI transactions
Other Features and Benefits
Milestone Benefits:
- 1,000 reward points on reaching the monthly retail spends of Rs. 75,0001
- Complimentary Taj Epicure membership on reaching annual retail spends of Rs. 12 lakh
- Card fee waived on reaching Rs. 8 lakh annual retail spends
Forex Mark-up Fee: A low forex mark-up fee of 0.99%
Complimentary Lounge Access:
- 16 visits to international airport lounges in a year via Priority Pass, max. 4 visits per quarter
- 16 visits to domestic airport lounges in a year
Entertainment Benefits: Up to 16 complimentary movie/ event tickets via buy 1 get 1 free ticket offer on BookMyShow, capped at 4 free tickets with up to Rs. 500 off per ticket in every quarter.
Golf Benefit: 8 complimentary golf games/ lessons per year, capped at 2 golf rounds/ lessons per quarter
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 4,999 + Applicable Taxes | ||||||||||||||||
| Forex Mark-up Fee | 0.99% | ||||||||||||||||
| Finance Charges | 1.99% per month (23.88% per annum) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get This Card If:
You frequently travel within and outside the country and want a card with low forex mark-up fee
You are a high-spender, do not mind paying a high annual fee and can maximise savings by availing the milestone benefits
You frequently make movie ticket bookings through BookMyShow
You prefer to earn reward points on your spends, instead of direct cashback
Eligibility Criteria:
Min. Net Income: Rs. 2.5 lakh per month
Age: 21 to 60 years (25 to 65 years for self-employed)
Age for Add-on Card: 18 years and above
Nationality: Resident Indian
Paisabazaar Review
What do we like about this card?
AU Zenith+ Credit Card comes as a decent option for those who frequently travel abroad and want a card with good travel as well as lifestyle-related benefits. A low forex mark-up fee of just 0.99%, complimentary domestic and international airport lounge access, airport meet and assist services, and accelerated reward rate on travel and international spends benefit the travellers quite well. If you are a high-spender, then you can also avail the complimentary Taj Epicure membership by reaching the spending milestone. Other lifestyle benefits, like up to 16 free movie tickets, 2% savings on dining as reward points and complimentary golf rounds, among other card benefits further add to the overall value of this card.
Pros
- Low forex markup fee of 0.99%
- Good reward redemption ratio of 1:1
- Up to 16 free visits each to both- international and domestic airport lounges
- Free movie/ event tickets worth up to Rs. 8,000 every year
- Card joining and renewal benefits worth the card fee
Cons
- Low base reward earning rate
- Low value-back as milestone benefits on reaching high spending amounts of up to Rs. 12 lakh
Footnotes
- Fuel, utility, rent, insurance, cash, education, govt. and EMI transactions are not eligible for monthly milestone calculation.
- Call concierge desk on 1800 210 0298 (toll-free) or 022-42320298 to avail the service.
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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