AU Zenith+ Credit Card
- Updated On: 19 May, 2026
The AU Zenith+ Metal Credit Card is AU Small Finance Bank’s most luxurious offering. It is perfect for people who frequently travel and make maximum credit card spending. You get ₹5,000 luxury gift vouchers from Taj Hotels, Michael Kors, Tata Cliq, and other luxury brands as a welcome benefit. Cardholders can even opt for Reward Points worth ₹5,000 on card activation.
The card’s reward rate is decent: You can earn 2 RPs per ₹100 spent on dining, international, and travel, and 1 RP per ₹100 spent elsewhere. You can even get a complimentary Taj Epicure Membership by spending ₹12 Lakhs in the year. Moreover, the card gives you 16 complimentary domestic and international lounge access, golf rounds, and BOGO movie tickets on booking with BookMyShow.
Another great feature is the low 0.99% forex markup fee on the card, which is great for those who regularly make foreign currency spends with the card. Read on to learn more about the AU Bank Zenith+ Credit Card.
AU Zenith+ Credit Card
( 4.6 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, Offering a Reward Rate of Up to 2%. Other Eligible Spends Earn 1 Reward Point per ₹100 Spent, Offering a 1% Reward Rate
Welcome Benefits
Luxury Gift Vouchers or Reward Points Worth ₹5,000
Rewards and Benefits
Movie & Dining
16 Complimentary Buy-One-Get-One Movie or Event Tickets Annually on BookMyShow (Up to ₹500 Off Per Ticket, 4 Per Quarter)
Rewards Rate
2 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, Offering a Reward Rate of Up to 2%. Other Eligible Spends Earn 1 Reward Point per ₹100 Spent, Offering a 1% Reward Rate
Reward Redemption
1 Reward Point = ₹1
Travel
4 Complimentary Airport Meet & Assist Concierge Services Annually (1 Per Calendar Quarter).
Domestic Lounge Access
4 Complimentary Lounge Access Every Quarter (16 Each Year)
International Lounge Access
16 complimentary international lounge access
Golf
Up to 8 Complimentary Golf Games or Lessons Annually (2 Per Calendar Quarter)
Insurance Benefits
Complimentary device protection plan
Fees & Charges
Spend-Based Waiver
Annual Charges Are Waived on Spending ₹8 Lakh or More
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
0.99%
Interest Rates
1.99% Per Month or 23.88% Per Annum
Fuel Surcharge Waiver
1% fuel surcharge waiver up to Rs. 1000 per statement cycle
Cash Advance Charges
None
Product Details
- Luxury brand gift vouchers worth ₹5,000 as a welcome benefit
- 1 RP per ₹100 spent and 2 RPs on international, dining, and travel spends
- 1,000 RPs on spending of ₹75,000 in the month
- Complimentary Taj Epicure membership on spending ₹12 Lakhs in the year
- 16 complimentary domestic and international lounge access
- 16 complimentary movie tickets per annum, max 4 per quarter
- Low forex markup fee of 0.99% of the transaction amount
Welcome Benefit
Get welcome vouchers worth ₹5000 from Taj Hotels, Tata Cliq, Michael Kors, or other luxury brands. Customers can also opt for 5000 RPs as a welcome benefit.
Reward Earning Rate
- You can earn 1 RP per ₹100 spent with the card.
- Earn 2 RPs per ₹100 spent on travel, dining, and international spends.
- The value of 1 RP = ₹1. Cash advances, fuel, and EMI spending are not eligible for reward points.
Milestone Benefits
- Get a bonus of 1000 RPs on spending ₹75,000 or more in the month.
- Get a complimentary Taj Epicure Membership on spending ₹12 Lakhs in the card anniversary year. With the Taj Epicure membership, you get the following benefits –
- 25% off on Food and beverages – Takeaway and Dining
- 20% off on Qmin App orders
- 20% off on Spa Treatments at Jiva Spas
- 20% off on Salon services at participating salons
- 20% off on Food and Beverages – Banquets
Airport Lounge Access
- Get 16 complimentary international lounge access per annum, a maximum of 4 per quarter, with the Priority Pass membership.
- Get 16 complimentary domestic lounge access per annum, max four quarters, with the credit card.
Complimentary Meet & Greet Services
Cardholders can enjoy complimentary Meet & Assist services with end-to-end VIP airport check-in up to 4 times in a year, with a maximum of 1 service per quarter. Bookings can be made through the concierge by calling 022-42320298 or 1800 210 0298. Customers need to share their travel date and time, arrival/departure airport, and any special requirements while booking. The service must be booked at least 72 hours before travel.
The service is available at domestic and international terminals across cities including Ahmedabad, Bengaluru, Calicut, Cochin, Delhi, Goa, Guwahati, Hyderabad, Lucknow, Mangalore, Mumbai, Trivandrum, Varanasi, Prayagraj, Jaipur, Coimbatore, and Kolkata.
Golf Benefits
AU Zenith+ Credit Cardholders can enjoy up to 8 complimentary rounds of golf or lessons per calendar year, with a maximum of 2 complimentary rounds of golf or lessons per calendar quarter. Any unused complimentary rounds or lessons will not be carried forward to the next calendar quarter.
AU Zenith+ Credit Cardholders need to call the concierge desk at 1800 210 0298 (toll-free) or 022-42320298 to place the request. Cardholders will receive the booking confirmation via email. Check the complete list of available golf courses where free lessons/rounds are available with the AU Zenith+ Metal Credit Card.
Movie Benefits
Get complimentary 16 Buy One Get One movie tickets per annum, a maximum of 4 per quarter. The maximum discount per booking is ₹500 when booked via BookMyShow. Complete details regarding the BOGO offer on the Zenith+ Card are available online.
Insurance Benefits
The following insurance benefits are only available for the primary AU Zenith+ Credit Card.
- Air Accident Cover – Up to ₹2 Crore
- Card Liability Cover – Up to ₹15 Lakhs
- Credit Shield – Up to ₹15 Lakhs
- Purchase Protection – Up to ₹50,000
- Other travel-related covers – In the event of baggage delay, flight delay, loss of passport, or plane hijacking.
AU Zenith+ Metal Credit Card Review
Based on the earlier AU Zenith Credit Card, AU later launched an upgraded version called the AU Zenith+ Metal Credit Card. While the card was once considered a highly premium offering, several devaluations over time have reduced some of its earlier benefits. Even so, it still remains a decent option for users looking for travel, lifestyle, and reward benefits in a relatively lower fee segment.
The card offers decent features across most spending categories and comes with ₹5,000 worth of luxury brand vouchers. Cardholders earn 2 Reward Points on international, dining, and travel spends, while all other eligible spends earn 1 Reward Point.
Frequent travelers can benefit from complimentary Taj Epicure Membership as a milestone benefit, along with domestic and international airport lounge access, complimentary golf rounds, and a low forex markup fee of 0.99%. The card also offers good movie and dining benefits, making it a solid alternative to the older Zenith Credit Card at a lower annual fee.
FAQs:
What is the joining/annual fee of the Zenith Plus credit card?
What is the joining/annual fee of the Zenith Plus credit card? The joining and the annual fee of the Zenith Plus credit card is ₹4999 plus GST, and you can get the renewal fee waived on spending ₹8 Lakhs in the card anniversary year.
What is the reward rate on the credit card?
You can earn 2 RPs per ₹100 spent on travel, international, and dining spends with the card, and 1 RP per ₹100 spent elsewhere.
What are the movie and dining benefits offered by the card?
With the card, you can get 16 complimentary BOGO movie tickets per annum, maximum 4 per quarter, and you get a maximum discount of ₹500 per card.
What is the forex markup fee charged by the credit card?
The card charges a low forex markup fee of 0.99% of the transaction amount, which is great for individuals who regularly spend foreign currency with their cards.
Does the card offer any milestone benefits?
You get a bonus of 1000 RPs on spending ₹75,000 or more in the month. Also, in the card anniversary year, you get a complimentary Taj hotel membership for ₹12 Lakhs.
10 comments
Salvo
Do they still offer renewal benefit of 5K reward points on paying Annual Fee? I presume they stopped it last year.
Kartik Kanwar
True. Renewal RPs are no longer offered.
Jibin George
Mayura Credit Card – seems a better card
Kartik Kanwar
It is.
Rajiv
Hey Ankur,
Is the lounge benefits applicable to Addon card holder too? Or its only for primary holder
Kartik Kanwar
Its only valid for primary cardholders.
Rohan
Thinking of getting this. Not really big into the CC Reward points, but should be able to make the spends to get Fee waiver
Kartik Kanwar
Its best to make such spends on a different card.
RAKESH BORDIA
What are the features of Marriott hotel membership. No where on the Zenith plus landing page (AU website) i see a mention of Marriot membership.
Given the features of the card, dont you think Zenith is better over Zenith Plus, where you earn almost 5% on restaurants and 2.5% for international transactions, Grocery and Departmental stores. Though they are certain advantages with Zenith plus, i would still prefer existing Zenith over Zenith +. Your view on it?
Ankur Mittal
Hi Rakesh,
We have updated the article. Marriott membership isn’t available with Zenith Plus.
Regarding reward points, Zenith was better, but now they have stopped issuing it.