Embrace premium living with metal card luxury and unmatched travel privileges
Up to 2% value-back on travel & dining
Annual fee waived on ₹8,00,000 spends
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| Benefit | Details |
|---|---|
| Ultra-Low Foreign Markup | Pay only 0.99% foreign currency markup on international transactions—the lowest amongst premium cards—making global travel and shopping exceptionally economical. |
| Premium Lounge Access | Enjoy 16 complimentary airport lounge visits per year (4 per quarter) across domestic and international locations via Priority Pass, plus 4 Meet & Assist concierge services annually. |
| Entertainment & Lifestyle | Receive 16 complimentary Buy One Get One movie tickets via BookMyShow (4 per quarter), 8 free golf rounds/lessons annually, and up to 30% dining discounts through Silver Spoon programme. |
| Luxury Welcome Benefits | Choose between ₹5,000 worth of luxury brand vouchers from Taj Hotels, Tata CLiQ, Michael Kors or 5,000 Reward Points (₹5,000 value) upon card activation. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | AU Small Finance Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Travel & Lifestyle |
| Type of Card | Premium Metal Credit Card |
| Free or Paid | ₹4,999 + GST Annually (waived on spends of ₹8,00,000 in previous card anniversary year from 2nd year onwards) |
The AU Small Finance Bank ZENITH+ Credit Card is the ultimate choice for frequent international travellers and lifestyle enthusiasts seeking premium benefits at a competitive annual fee. As AU Small Finance Bank's luxury metal card offering, the ZENITH+ bridges the gap between traditional banking and elite financial services, delivering exceptional value through its industry-leading 0.99% foreign currency markup, comprehensive airport lounge access, exclusive entertainment privileges, and milestone rewards including Taj Epicure Membership. With a balanced reward structure offering 1:1 redemption value, monthly milestone bonuses, and extensive lifestyle benefits spanning movies, golf, dining, and travel, this card transforms everyday spending into meaningful experiences whilst providing the premium services once reserved exclusively for ultra-high-net-worth individuals.
Metal Card Prestige: The ZENITH+ comes as a premium metal card, symbolising distinction and elite status. Its craftsmanship reflects AU Small Finance Bank's commitment to providing luxury experiences whilst maintaining accessibility for affluent customers.
Competitive Reward Programme: Earn 2 Reward Points per ₹100 spent on travel, dining, and international transactions (2% value-back) and 1 Reward Point per ₹100 on all other retail spends (1% value-back). Each Reward Point redeems at ₹1, offering one of the best redemption ratios in the market without complex conversion calculations.
Luxury Welcome Package: Choose your welcome benefit upon card activation—either ₹5,000 worth of luxury brand vouchers from prestigious brands like Taj Hotels, Tata CLiQ, Michael Kors, and others, or receive 5,000 Reward Points valued at ₹5,000. This substantial welcome benefit significantly offsets the first year's annual fee.
Monthly Milestone Rewards: Earn 1,000 Bonus Reward Points (worth ₹1,000) when you achieve minimum retail spends of ₹75,000 in a statement cycle. This recurring monthly benefit rewards consistent high spending throughout the year.
Annual Milestone - Taj Epicure Membership: Reach minimum net retail spends of ₹12 Lakh in your card anniversary year to unlock complimentary Taj Epicure Membership, providing 25% discount on food and beverages at participating Taj Hotels, exclusive spa treatment discounts at Jiva Spas, special room booking discount vouchers, and access to premium Taj experiences.
Industry-Leading Foreign Markup: Benefit from an exceptionally low foreign currency markup fee of just 0.99%, amongst the lowest in the Indian premium credit card market—making international shopping, dining, and travel significantly more economical compared to cards charging 3.5% or higher.
Comprehensive Lounge Access: Access over 1,000 airport lounges worldwide with 16 complimentary visits per year (4 per quarter) through Priority Pass membership for both domestic and international airports. Primary and add-on cardholders can both enjoy these lounge benefits within the complimentary quota.
Airport Meet & Assist: Experience VIP treatment with 4 complimentary Meet & Assist concierge services per year (maximum 1 per quarter) at Indian airports. Enjoy personalised check-in assistance, fast-track security clearance, and enhanced comfort before your flight.
Entertainment Excellence: Receive 16 complimentary Buy One Get One movie or event tickets via BookMyShow annually (maximum 4 BOGO tickets per quarter with up to ₹500 discount per ticket), perfect for cinema enthusiasts and entertainment lovers.
Golfing Privileges: Enjoy 8 complimentary golf rounds or lessons per year (maximum 2 per quarter) at select golf courses across India. Book through the dedicated concierge service to perfect your swing at premium golf facilities.
Dining Rewards: Access up to 30% savings at partner restaurants through the Silver Spoon dining programme, enhancing your culinary experiences whilst earning Reward Points on dining spends.
24×7 Global Concierge: Access personalised concierge assistance round-the-clock for travel bookings, golf sessions, dining reservations, entertainment arrangements, anniversary planning, and lifestyle experiences. Contact at 1800 210 0298 (toll-free) or 022-42320298.
Renewal Benefits: Earn 5,000 Bonus Reward Points on paying annual/renewal membership fees from the 2nd year onwards (payment must be made on or before the due date). Important Note: Renewal benefits will be discontinued effective 17th November 2025.
Device Protection: Receive complimentary Device Protection Plan on electronics purchased using your ZENITH+ Credit Card. Contact the concierge at 1800 210 0298 to avail this benefit and enjoy extended warranty protection.
Flexible EMI Options: Convert transactions of ₹500 and above (minimum total value ₹2,000) into easy EMIs. Club up to 20 billed or unbilled transactions together for conversion through WhatsApp Banking (8383838399), customer care (1800 1200 1500), or online banking.
Important Reward Structure Note: Unlike the Zenith Credit Card which offers up to 20 Reward Points per ₹100 (but redeems at ₹0.25 per point), the ZENITH+ offers lower earning rates of 1-2 points per ₹100 but provides superior 1:1 redemption value. The ZENITH+ compensates for lower earning rates through enhanced lifestyle benefits including lower forex markup (0.99% vs 1.99%), more lounge visits, movie benefits, golf privileges, and Meet & Assist services.
The ZENITH+ card's combination of ultra-low foreign markup, premium travel benefits, extensive lifestyle privileges, and attractive redemption value makes it an exceptional choice for international travellers and lifestyle enthusiasts who value quality experiences alongside solid rewards.
2 Reward Points per ₹100 on Premium Categories (2% Value-Back)
Earn 2 Reward Points for every ₹100 spent on travel bookings, dining at restaurants, and all international transactions. With each Reward Point valued at ₹1, this translates to a straightforward 2% value-back on these premium spending categories.
Applicable Categories:
Travel bookings (flights, hotels, tour packages)
Dining at restaurants
International transactions (online and offline foreign currency spends)
1 Reward Point per ₹100 on Other Spends (1% Value-Back)
Earn 1 Reward Point for every ₹100 spent on all other retail purchases across merchant categories. This consistent 1% value-back ensures you're rewarded on everyday spending.
Note: Cash, EMI, and fuel transactions will not be eligible for Reward Points.
Reward Exclusions
No Reward Points on:
Cash withdrawals
EMI transactions
Fuel purchases
Rent payments (though may earn 1% on utilities, insurance as per some sources)
Education fee payments
Government-related transactions
Quasi-cash transactions
Balance transfers
Redemption Value: 1 Reward Point = ₹1
The Reward Points earned can be redeemed through the AU Rewardz portal in multiple ways:
E-Vouchers
Redeem Reward Points for e-vouchers from top brands including Amazon Pay gift vouchers, Flipkart, and various lifestyle brands at 1:1 value. This offers flexibility and immediate value.
Travel Bookings
Use Reward Points for flight and hotel bookings on the AU Rewardz portal, making your travel more economical.
Merchandise
Exchange Reward Points for products from the rewards catalogue, though vouchers typically offer better value.
Mobile/DTH Recharges
Redeem points for mobile or DTH recharges for everyday utility.
Conversion to CV Points
Convert Reward Points to Club Vistara Points for airline redemptions and upgrades.
Important Note: Reward Points for ZENITH+ are tracked separately from other AU cards due to the 1:1 redemption value (versus ₹0.25 per point for other AU cards like Zenith).
Choose Your Welcome Reward
Upon ZENITH+ Credit Card activation, choose between:
Option 1: Luxury Brand Vouchers Worth ₹5,000 Select from prestigious brands including:
Taj Hotels vouchers
Tata CLiQ e-vouchers
Michael Kors gift vouchers
Other luxury brand partners
Option 2: 5,000 Reward Points (₹5,000 Value) Receive 5,000 Reward Points credited to your account, redeemable at ₹1 per point for maximum flexibility.
Note: Welcome benefits are applicable only upon card activation and are provided once per cardholder.
Monthly Milestone
Earn 1,000 Bonus Reward Points (worth ₹1,000) on achieving minimum retail spends of ₹75,000 per statement cycle. This recurring monthly benefit can provide up to ₹12,000 additional value annually for consistent high-spenders.
Exclusions from Milestone Calculation:
Special Category MCCs (Utility, Insurance, Rent, Education & Government)
Fuel transactions
Cash withdrawals
EMI transactions
Annual Milestone - Taj Epicure Membership
Achieve minimum net retail spends of ₹12 Lakh in your card anniversary year to unlock complimentary Taj Epicure Membership, offering:
25% Discount on Food & Beverages: Dining and takeaway at participating Taj Hotels
Spa Discounts: Exclusive savings on treatments at Jiva Spas across Taj properties
Room Booking Vouchers: Special discount vouchers for rooms and suites bookings at participating hotels
Exclusive Access: Premium Taj experiences, events, and seasonal offers
This premium membership provides exceptional value for frequent Taj Hotels guests and can deliver substantial annual savings.
Annual Fee Waiver Milestone
Achieve net retail spends of ₹8 Lakh in the previous card anniversary year to waive the annual fee from the 2nd year onwards.
Important Change: Earn 5,000 Bonus Reward Points on paying annual/renewal membership fees from the 2nd year onwards (payment must be done on or before the Payment Due Date of the statement). This benefit will be discontinued effective 17th November 2025.
International & Domestic Airport Lounge Access
Priority Pass Membership: Enjoy 16 complimentary airport lounge visits per year (maximum 4 per quarter) through Priority Pass, providing access to over 1,000 lounges across domestic and international airports worldwide.
Access Details:
Both primary and add-on cardholders can enjoy lounge benefits
Visits count towards the primary cardholder's annual quota
Valid for both departure and arrival lounges (where available)
Includes access to premium amenities like refreshments, Wi-Fi, showers, and relaxation areas
Additional Charges: $27 + taxes will be charged for all Priority Pass visits within India beyond the complimentary quota.
Airport Meet & Assist Concierge Services
Experience VIP treatment with 4 complimentary Meet & Assist concierge services per year (maximum 1 per calendar quarter) at Indian airports.
Services Include:
Personalised check-in assistance
Fast-track security clearance
Baggage assistance
Guidance to departure gates
Enhanced comfort and convenience
Note: Meet & Assist service is valid only for the primary cardholder. Accompanying guests may incur additional charges.
BookMyShow Movie Tickets
Enjoy 16 complimentary Buy One Get One movie or event tickets via BookMyShow annually.
Terms:
Maximum 4 BOGO tickets per calendar quarter
Up to ₹500 maximum discount per ticket
Valid for movie tickets and select events
Book through BookMyShow platform
Value: This benefit can provide up to ₹8,000 in annual movie ticket savings for regular cinema-goers.
Golf Privileges
Perfect your swing with 8 complimentary golf rounds or lessons per year.
Terms:
Maximum 2 complimentary golf rounds/lessons per calendar quarter
Access to select golf courses across India
Booking must be made through concierge service
To Book: Call the concierge at 1800 210 0298 (toll-free) or 022-42320298. Booking confirmations will be sent via email.
Dining Privileges
Access up to 30% savings at partner restaurants through the Silver Spoon dining programme, enhancing your culinary experiences whilst earning Reward Points on dining spends.
Access 24×7 dedicated concierge assistance for:
Flight and hotel bookings
Golf session arrangements and bookings
Dining reservations and anniversary planning
Entertainment and event bookings
Personalised travel, entertainment, and leisure experiences
Lifestyle assistance and recommendations
Contact: 1800 210 0298 (toll-free) or 022-42320298
Important Change Effective 17th November 2025:
1% fuel surcharge waiver at all petrol stations across India (maximum ₹1,000 per statement cycle).
From 17th November 2025: Fuel surcharge waiver will be applicable only for fuel transactions between ₹400 and ₹5,000. GST on fuel surcharge will not be reversed.
All insurance benefits are available only for the primary ZENITH+ Credit Card holder.
Air Accident Cover
Up to ₹2 Crore air accident insurance cover providing comprehensive protection during air travel.
Card Liability Cover
Up to ₹15 Lakh lost card liability cover providing zero liability on any fraudulent transactions made with the card after reporting the loss to the bank. Protected against card counterfeit, skimming, and online fraud.
Credit Shield
Up to ₹15 Lakh credit shield coverage providing financial protection.
Purchase Protection
Up to ₹50,000 purchase protection on items bought using your ZENITH+ Credit Card.
Travel-Related Covers
Comprehensive coverage for:
Baggage loss
Baggage delay
Flight delay
Loss of passport
Plane hijacking
To Claim: Call AU Bank customer care at 1800 1200 1500 for insurance benefit claims and detailed terms and conditions.
Receive complimentary Device Protection Plan on electronics purchased using your ZENITH+ Credit Card.
To Avail: Call concierge at 1800 210 0298 (toll-free) or 022-42320298 for benefit activation and extended warranty protection details.
Up to 50 Days: Enjoy up to 50 days of interest-free credit from the date of purchase, allowing you to manage cash flow efficiently.
Use your ZENITH+ Metal Card to make quick, secure, and easy payments by simply tapping the card at participating merchants without entering your PIN for transactions up to ₹5,000.
Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI. Club up to 20 billed or unbilled transactions together for conversion through:
WhatsApp Banking: Send "Hi" to AU Bank's official WhatsApp (8383838399)
Customer Care: Call 1800 1200 1500 for instant conversion
Net Banking or Mobile Banking
Choose your preferred repayment tenure for maximum flexibility.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹4,999 + GST (~₹5,899) | One-time charge when the card is issued. Effectively ₹899 after welcome benefit of ₹5,000. |
| Annual Fee | ₹4,999 + GST (~₹5,899) | Charged every year. Waived on net retail spends of ₹8,00,000 in previous card anniversary year from 2nd year onwards. |
| Interest Rate (APR) | 1.99% per month (23.88% annually) | Applicable on outstanding balances and revolving credit. |
| Foreign Currency Markup | 0.99% | Industry-leading low rate. Applicable on all international transactions. |
| Cash Advance Fee | 2.5% or ₹100 (whichever is higher) | Charged on cash withdrawals. |
| Cash Advance Limit | As indicated on statement | Part of overall credit limit; varies by cardholder. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹500) | Charged when spending exceeds credit limit. |
| Payment Return Charges | ₹500 | Charged when payment cheque, ECS, NACH, or Autopay is returned/dishonoured. |
| Late Payment Charges | ₹0 to ₹1,100 | Varies based on outstanding amount. |
| Loan Processing Fee | 1% (minimum ₹500) | Applicable on XpressEMI loan processing. |
| Loan Preclosure Charges | 3% of principal outstanding | Charged for early loan closure. |
| Balance Transfer Processing | 1% of transfer amount (minimum ₹250) | Applicable on balance transfer requests. |
| EMI Conversion Charges | 1% (minimum ₹99 + GST) for XpressEMI; ₹199 + GST for Instant EMI | Charged for EMI conversion. |
| Card Validation Charges (Lounges) | ₹2 | Applicable when using lounges. |
| Priority Pass Lounge Charges | $27 + taxes | Charged for all visits within India beyond complimentary quota. |
| Card Reissuance Fee | ₹100 | Charged for lost, stolen, or damaged card replacement. |
| GST | 18% | Applicable on all fees, interest, and charges mentioned above. |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 21 to 60 years (salaried); 25 to 65 years (self-employed) |
Add-On Cardholder Age | Above 18 years |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
Income | Minimum net monthly income typically ₹2.5 Lakh or above; stable source of income required |
Employment | Salaried or self-employed with regular income |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Valid Passport with photograph & signature, Aadhaar Card or proof of possession of Aadhaar, Driving Licence (handwritten/laminated) issued by Regional Transport Authority, Voter's Identity Card issued by Election Commission of India, Job Card issued by NREGA (duly signed by State Government official), Overseas Citizen of India Card, Person of Indian Origin Card, or any other government-approved photo ID proof |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter's Identity Card, 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 |
| Income Proof | For Salaried: Latest one or two salary slips (not more than 3 months old), latest Form 16, last 3 months' bank statement. For Self-Employed: ITR copy, bank statements showing business income, financial statements |
| PAN Card | Mandatory for credit card issuance |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents - Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application - Review all the details and click Submit.
Step 5: Approval & Card Delivery - Once approved, your AU Small Finance Bank ZENITH+ Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise International Spending | Use the ZENITH+ for all international transactions to benefit from the ultra-low 0.99% forex markup fee, saving significantly compared to cards with 3.5% or even 1.99% markups. |
Leverage Travel & Dining Rewards | Earn 2 Reward Points per ₹100 (2% value-back) on travel bookings and dining. Strategically use the card for these categories to maximise earning potential. |
Target Monthly Milestones | Aim for ₹75,000 monthly retail spending to earn the recurring 1,000 Reward Points (₹1,000) bonus, providing up to ₹12,000 annual value for consistent spenders. |
Achieve Annual Milestone | Target ₹12 Lakh in net retail spends during your card anniversary year to receive complimentary Taj Epicure Membership, offering substantial dining and hotel benefits. |
Utilise All Lounge Benefits | Maximise the 16 complimentary Priority Pass lounge visits (4 per quarter) for both domestic and international travel. Plan travel to make use of all quarterly allocations. |
Book Meet & Assist Services | For important travel, use the 4 complimentary Meet & Assist concierge services (1 per quarter) for VIP check-in experiences at Indian airports. |
Enjoy Movie Benefits | Take full advantage of the 16 BOGO movie tickets via BookMyShow (4 per quarter, up to ₹500 off per ticket) for regular cinema entertainment. |
Schedule Golf Sessions | Golf enthusiasts should book all 8 complimentary golf rounds/lessons (2 per quarter) through the concierge service to maximise this premium benefit. |
Use Concierge Services | Don't hesitate to call the 24×7 concierge at 1800 210 0298 for travel bookings, dining reservations, golf bookings, or event planning. |
Redeem Points Strategically | With 1:1 redemption value (1 RP = ₹1), redeem points for Amazon Pay vouchers, travel bookings, or statement balance for straightforward value without complex calculations. |
Convert High-Value Purchases to EMI | For purchases above ₹2,000, consider converting to EMI through WhatsApp (8383838399) or customer care to manage cash flow. |
Activate Device Protection | For electronics purchases, contact the concierge at 1800 210 0298 to activate the complimentary Device Protection Plan for extended warranty. |
Set Up Auto-Pay | Enable auto-pay for full payment to avoid the 23.88% annual interest rate and maintain excellent credit history whilst enjoying the full 50-day interest-free period. |
Maintain Spend Threshold | Ensure ₹8 Lakh annual net retail spends to waive the ₹4,999 renewal fee from the 2nd year onwards, maximising value. |
Use Contactless Payments | Utilise contactless functionality for transactions up to ₹5,000 for quick, secure purchases without PIN entry. |
Claim Welcome Benefits | Upon activation, decide between ₹5,000 luxury brand vouchers or 5,000 Reward Points based on your preference and spending patterns. |
The AU Small Finance Bank ZENITH+ Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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