AU Bank Zenith+ Credit Card - Features, Benefits, Fees & Charges

AU Bank Zenith+ Credit Card (4.3)

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If you're looking for a premium credit card that offers a wide range of rewards and benefits, the AU Bank Zenith+ Credit Card can be worth considering. This metal card comes with a joining and annual fee of ₹4,999 and a host of features, like luxury brand vouchers, free Taj Epicure membership, low foreign transaction fee, free airport services, free international and domestic lounge access, reward rate of 1% to 3% and much more! Keep reading to learn more about its features. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Choose from a range of Luxury brand vouchers or Reward Points worth ₹5,000 on card activation.

Reward Points
  • 2 Reward Points for every ₹100 spent on travel, dining, and international spends.
  • Earn 1 Reward Point per ₹100 on retail spends across all merchant categories.
  • Reward Rate: 1% to 3%.
Milestone Benefit
  • 1000 Reward Points on a minimum retail spend of ₹75,000 per statement cycle.
  • Free Taj Epicure Membership on minimum spends of ₹12 Lakh in a card anniversary year.
Travel Benefit

Get airport VIP check-in with 4 free services per annum (max 1 per calendar quarter).

Lounge Access
  • International Lounge Access
    • Free 16 International Airport Lounges access using Priority Pass. List of Lounges
  • Domestic Airport Lounge Access
    • 16 domestic lounge access per annum, max 4 quarter, with the credit card. Check out this link to view the list of eligible lounges.
Entertainment Benefit
  • 16 free 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.)
  • 8 free golf games and lessons annually. (Up to 2 free golf rounds/lessons per calendar quarter)
Concierge Services

Customize your travel, entertainment, and leisure experiences with their Global Concierge Assistance.

Fuel Surcharge

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of ₹1000 per statement cycle)

Insurance Benefit
  • Air Accident Cover - Up to ₹2 crore
  • Card Liability Cover - Up to ₹15 lakh
  • Credit Shield - Up to ₹15 lakh
  • Purchase Protection - Up to ₹50,000
  • Other Travel-related covers - In the event of baggage delay, delay in flight, loss of passport and plane hijack.
Other Benefit

5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹4,999

Annual Fee

₹4,999

Annual Percentage Rate

23.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

20%

Card Replacement Fee

₹100

Foreign Transaction Fee

0.99%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹1
Late Payment Charges

Balance below ₹100

Nil

Balance from ₹100 to ₹500

₹100

Balance from ₹500 to ₹5000

₹500

Balance from ₹5000 to ₹10000

₹700

Balance from ₹10000 to ₹20000

₹800

Balance from ₹20000 to ₹50000

₹900

Balance more than ₹50000

₹1100
Pros

Aspects that make this credit card amazing.

  1. Attractive reward redemption value with 1 Reward Point equivalent to ₹1.
  2. Access to both international and domestic airport lounges.
  3. Enjoy card renewal and welcome perks valued at ₹10,000.
  4. A favorable forex markup fee at just 0.99%.
Cons

Aspects this credit card lacks.

  1. The card exclusively permits the conversion of reward points into CV Points for mileage purposes.
  2. A substantial annual spending milestone of ₹12 lakh must be achieved.
  3. Milestone benefits are restricted to usage at Taj hotels.
  4. Cash, EMI & Fuel transactions will not be eligible for Reward Points.
AU Bank Zenith+ Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4.5)

Rewards

(4)

Customer Service

(3.5)

AU Bank Zenith+ Credit Card Review

The AU Bank Zenith+ Credit Card is a good option for high-income individuals who are looking for a premium credit card with a wide range of benefits. It offers a high rewards rate of 3% on dining, international transactions, grocery, and departmental stores, as well as a number of travel and lifestyle benefits. However, the card also has a higher annual fee of ₹4,999 (which is waived for the first year).

Whether or not the AU Bank Zenith+ Credit Card is right for you will depend on your individual spending habits and needs. If you are looking for a premium credit card with a wide range of benefits, then the AU Bank Zenith+ Credit Card is a good option to consider. However, if you are on a budget or do not need all of the benefits offered by the AU Bank Zenith+ Credit Card, then there may be other credit cards that are a better fit for you, like:
1. SBI Elite Credit Card
2. HDFC Bank Regalia Credit Card
3. HDFC Diners Club Black Credit Card

Overview

Best For 

Lifestyle

Joining and Annual Fee

₹4,999 plus taxes

Welcome Benefit

Choose from a range of Luxury brand vouchers or Reward Points worth ₹5,000 on card activation

Card Type

Premium credit card

Reward Rate 1% to 3%

Reward Points on AU Bank Zenith+ Credit Card

Merchant Category

Reward Points 

Travel, dining, and international spends.

All Merchant Categories

1

Value of 1 Reward Point

₹1

Who Should Opt for AU Bank Zenith+ Credit Card? 

The AU Bank Zenith+ Credit Card is a good option for people who:

  • Have a high income and spend a lot of money on dining, international travel, grocery, and departmental stores.
  • Value travel and lifestyle benefits, such as lounge access, fuel surcharge waiver, complimentary movie tickets, and golf rounds.
  • Are ready to pay an annual fee of ₹4,999
  • Can spend ₹1 Lakh in a statement cycle.

How to apply for an AU Bank Zenith+ Credit Card?

To apply for an AU Bank Zenith+ credit card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose AU Bank from the list.
Step 4: Choose AU Bank Zenith+ Credit Card and click on the 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

Once you have submitted your application, AU Bank will review it and make a decision. If your application is approved, you will receive your Zenith+ Credit Card within 7-10 business days.

Au Bank Zenith+ Credit Card Eligibility

  • Age: 21 to 60 years
  • Income: ₹2.5 lakh per month
  • Resident: Indian

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
AU Small Finance Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

AU Small Finance Bank

AU Small Finance Bank Credit Card Customer Care Number:

1800 1200 1500

Email Support:

creditcard.support@aubank.in

AU Small Finance Bank Card Offers:

View Offers

Total Cards:

10,09,484
AU Small Finance Bank Credit Card News
03 Nov 2023, Friday
1. Ixigo has partnered with AU Small Finance Bank to launch a cobranded credit card to cater to the growing demand of travellers from smaller markets.

The ixigo-AU co-branded credit card enables customers to experience seamless travel across all travel verticals, including flights, trains, buses, and hotels. The co-branded credit card provides a range of exclusive benefits that cater to the requirements of both frequent and occasional travellers. It is specifically designed to address the evolving needs of modern travellers who seek flexibility, convenience, and value.


This co-branded card entitles travellers to discounts of up to 10% on flights, buses, and hotel bookings made through the ixigo platform. With its diverse offerings and advantages, this credit card presents itself as an ideal choice for customers who demand an all-in-one travel solution.

06 Oct 2023, Friday
2. Earn a 10% cashback on Amazon Great Indian Festival Sale and Flipkart Big Billion Days Sale when you make payments with AU Bank Credit Cards.

It's a good time to shop online and save some money!
AU Bank has introduced a festive season offer for cashback on Amazon and Flipkart. Customers using AU Bank Credit Cards can earn 10% cashback on purchases during the offer period, which runs from October 7th to October 12th, 2023. The minimum transaction amount to qualify for this offer is Rs. 5,000, and customers can earn up to Rs. 1,500 in cashback.

AU Bank is known for providing excellent deals and offers through its lifetime free credit cards. This offer is particularly advantageous for those planning to shop during the Big Billion Day Sale on Flipkart and the Great Indian Festival Sale on Amazon.

Note-
- The offer is not valid on AU Bank Corporate Cards.
- This offer is only valid on the following categories – Mobile Phones, Electronics, Furniture, Apparel, and Household Appliances.

AU Bank Zenith+ Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

The interest rate for cash advances on the AU Zenith+ credit card is 2.5% of amount withdrawn, subject to minimum of Rs.100

Yes, there is a minimum income requirement to be eligible for the AU Zenith+ credit card. The minimum income requirement is Rs 2.5 lakh per month.

In addition to the minimum income requirement, you must also meet the following eligibility criteria:

  • Be an Indian resident
  • Be between the ages of 21 and 60 years
  • Have a good credit score

Yes, you can use the AU Zenith+ credit card for international transactions. When you make an international transaction with your AU Zenith+ credit card, you will be charged a foreign exchange markup fee of 0.99%. This is a relatively low fee compared to other credit cards.

Yes, the AU Zenith+ credit card offers travel insurance coverage. The following travel insurance benefits are offered to AU Zenith+ credit cardholders:

  • Air accident cover of up to Rs 2 crore
  • Card liability cover of up to Rs 15 lakh
  • Credit shield of up to Rs 15 lakh
  • Purchase protection of up to Rs 50,000
  • Baggage delay
  • Baggage loss
  • Plane hijack
  • Loss of passport & travel related documents

To avail the travel insurance benefits, you must purchase your travel tickets with your AU Zenith+ credit card. The travel insurance coverage is valid for 90 days from the date of your departure.

For more information on the travel insurance benefits offered by the AU Zenith+ credit card, you can visit the AU Bank website or contact AU Bank customer care.

It is important to note that the travel insurance benefits offered by the AU Zenith+ credit card are not a substitute for a dedicated travel insurance policy. If you are planning a trip, it is advisable to purchase a dedicated travel insurance policy to get comprehensive coverage against risks such as lost luggage, medical emergencies, and trip cancellation.

The annual fee for the AU Zenith+ credit card is Rs 4,999. However, the annual fee is waived off if you spend Rs 8 lakhs or more on the card in a year.

Step 1: Visit select.finology.in and click on 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose AU Bank from the list.
Step 4: Choose AU Bank Zenith+ Credit Card and click on 'Apply Now' button.
Step 5: Provide the required consent and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

The AU Zenith+ credit card offers a variety of benefits and rewards, including:

  • Rewards:
    • Earn 2 Reward Points for every ?100 spent on travel, dining, and international spends.
    • Earn 1 Reward Point per ?100 on retail spends across all merchant categories.
  • Lounge access:
    • ???????Get 16 international and 16 domestic lounge visits per year.
  • Airport VIP services:
    • Get 4 complimentary VIP services at airports.
  • Forex mark-up fee:
    • Get a low forex mark-up fee of 0.99%.
  • Other benefits:
    • Get free movie tickets worth ?8,000.
    • Get golf lessons or games, luxury brand vouchers or rewards worth ?5,000.
    • Get bonus rewards worth ?5,000 as renewal benefit.
    • Get fuel benefits worth ?1,000.
    • Get Taj Epicure Membership if you spend ?12 lakh in a year.

In addition to the above benefits, the AU Zenith+ credit card also offers a variety of insurance benefits, such as air accident cover, card liability cover, credit shield, and purchase protection.

The AU Zenith+ credit card is a premium credit card that offers a variety of benefits and rewards. However, it is important to keep in mind the annual fee of ?4,999 and make sure that you can maximize the benefits of the card to offset the cost.

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HDFC Diners Club Black (4) Full Details

Premium
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.30

Joining Fee

₹10,000

Annual Fee

₹10,000

Annual Percentage Rate

23.88%