Priority Pass
AU Small Finance Bank
Zenith+
The AU Zenith+ Credit Card is a premium metal offering from AU Small Finance Bank designed to compete with popular premium cards like the SBI Card Elite and HDFC Regalia Gold. Serving as an upgraded version of the standard AU Zenith card, it provides a comprehensive suite of luxury and lifestyle rewards.
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Data last updated 7 June 2026.
At a Glance
Annual Fee
₹4,999
Joining Fee
₹4,999
Fee Waiver
Spend ₹8,00,000 annually
Lounge Access
See details
Forex Markup
0.99%
Effective Yield
1% – 3.33%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The AU Zenith+ Credit Card is a premium metal offering from AU Small Finance Bank designed to compete with popular premium cards like the SBI Card Elite and HDFC Regalia Gold. Serving as an upgraded version of the standard AU Zenith card, it provides a comprehensive suite of luxury and lifestyle rewards. While it offers a slightly lower reward rate of up to 2% value-back compared to its predecessor, it balances this with enhanced features such as a significantly reduced foreign exchange markup and higher complimentary lounge allowances.
This card stands out particularly for its excellent travel and leisure benefits, offering cardholders a low 0.99% forex markup fee, extensive airport lounge access, and complimentary golf games. For entertainment and dining, users can access up to 16 free movie or event tickets annually via BookMyShow and 2% reward points on dining. High spenders can also unlock exclusive milestone perks, including a Taj Epicure membership and annual fee waivers, backed by a favorable 1:1 reward-to-rupee redemption ratio.
The ideal user for the AU Zenith+ Credit Card is a frequent international or domestic traveler who can comfortably meet high spending thresholds to maximize milestone benefits. It is also well-suited for lifestyle-oriented individuals who appreciate luxury hotel perks, golf privileges, and regular movie outings, and who prefer earning high-value reward points over direct cashback.
What We Like
We highly appreciate the card's low foreign exchange markup fee of just 0.99%, making international transactions highly affordable. The generous allocation of up to 32 complimentary airport lounge visits annually across domestic and international terminals is a standout feature. Additionally, the highly favorable 1:1 reward redemption ratio ensures that cardholders get direct, uncomplicated value from their earned points.
Pros
- ✓Low forex markup fee of just 0.99%
- ✓Good reward redemption ratio where 1 point equals Rs. 1
- ✓Up to 16 free visits to domestic and 16 free visits to international airport lounges
- ✓Complimentary movie and event tickets worth up to Rs. 8,000 every year
- ✓Card joining benefits that successfully offset the first-year annual fee
Cons
- ✗Low base reward earning rate
- ✗Low value-back provided as milestone benefits despite requiring high spending limits of up to Rs. 12 lakh
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
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Travel, Dining & International | 2 Reward Points (RP) per ₹100 | 2.00% | No Upper Cap |
| Other Retail Spends | 1 RP per ₹100 | 1.00% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
| Utility & Telecom, Insurance, Education & Government and Rent. | 1 RP per ₹100 | 1% | 1000 RP/month (combined) |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.8 Lakh | Monthly Milestone1,000 pts | ₹1,000 | Earn 1,000 bonus RP every month upon reaching ₹75k retail spend. |
| ₹8 Lakh | Fee Waiver | ₹4,999 + GST Savings | Annual fee waived for the next year if annual spends exceed ₹8 Lakhs. |
| ₹12 Lakh | Taj Epicure | ₹25,000+ Value | Complimentary Taj Epicure membership awarded upon hitting ₹12 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Brand Vouchers / Flights / Hotels | ₹1.00 per RP1:1 Ratio | Best Value (Extremely flexible; essentially acts as a cash wallet) |
What You Need to Know
The 'Value-Back' Trade-off
The original Zenith gave up to 5%, whereas Zenith+ is capped at 2%.
Impact: Users should only upgrade if they value the metal form and lower forex more than raw points.
Lounge Quarter-Cap
16 International visits are capped at 4 per quarter.
Impact: Cannot 'dump' visits for a single massive group trip; must be spread across the year.
Milestone Exclusions
Fuel, utility, rent, insurance, and govt. payments do NOT count toward the ₹75k monthly target.
Impact: Users must ensure 'pure retail' spend to trigger the 1,000 bonus points.
Priority Pass Charge
Usage of Priority Pass for domestic lounges in India incurs a $27+ fee.
Impact: Users must use the credit card directly for domestic lounges and PP only for International.
Essential Fine Print
Reward Exclusions
Non-Reward Categories: Fuel, Rent payments, Wallet loading, Insurance, Government services, and Education transactions.
Welcome Offer
Welcome Gift
Luxury brand vouchers worth ₹5,000 or 5,000 Reward Points on payment of joining fee.
Lounge Access
Priority PassDomestic Lounge Access
16 complimentary domestic airport lounge visits per year (max 4 per quarter). User needs to spend minimum of ₹50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.
International Lounge Access
16 complimentary international airport lounge visits per year via Priority Pass (max 4 per quarter).
Travel Benefits
Low Forex Markup
Ultra-low foreign currency markup of 0.99% on all international transactions.
Global Concierge
24/7 assistance for travel bookings, restaurant reservations, and lifestyle services.
Dining Benefits
Accelerated Rewards
Earn 2 Reward Points per ₹100 spent on travel, dining, and international spends.
Golf Benefits
Golf Benefits
Enhance your game with up to 8 complimentary golf games or lessons annually (2 per calendar quarter).
Milestone Benefits
Monthly Milestone
1,000 Bonus Reward Points on monthly spends of ₹75,000 or more.
Renewal Fee Waiver
Complimentary renewal fee on annual spends of ₹8 Lakhs or more.
Additional Features
Metal Card
Exclusively crafted premium metal card for elite status.
Zero Lost Card Liability
Zero liability on fraudulent transactions once the loss of card is reported to the bank.
BookMyShow Offer
Enjoy up to 16 complimentary buy-one-get-one movie/event tickets on BookMyShow annually using Zenith+ Credit Card (4 tickets per quarter with discount up to Rs. 500 per ticket).
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹4,999 |
| Annual / Renewal Fee | ₹4,999 |
| Fee Waiver Threshold | Spend ₹8,00,000 annually |
| Forex Markup | 0.99% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years
Employment
Monthly Net Income of ₹ 2.5 Lakh
Residency
Resident of India
Ready to apply for Zenith+?
Annual fee: ₹4,999 · Waived on ₹8,00,000 spend
Frequently Asked Questions
Annual fee
₹4,999
1% – 3.33% yield