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Explore cards from India's leading banks.
Last updated: 1 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 2 Reward Points per ₹100 spent
Earn 2 Reward Points per ₹100 spent on travel, dining, and international transactions. Earn 1 Reward Point per ₹100 spent on all other eligible categories. (Note: Spends on utility, insurance, education, rent, and government are capped at earning 1,000 Reward Points per cycle).
Redeem for
The privileges that come bundled in, beyond the reward points.
Monthly Milestone: Earn 1,000 Bonus Reward Points upon spending ₹75,000 or more in a statement cycle
Annual Milestone: Complimentary Taj Epicure Membership on reaching an annual spend of ₹12 Lakhs
Lounge Access: 16 complimentary domestic lounge visits per year (max 4 per quarter) and 16 international lounge visits via Priority Pass (max 4 per quarter)
Movies & Entertainment: 16 complimentary Buy One Get One (BOGO) movie or event tickets annually on BookMyShow (max 4 per quarter, up to ₹500 off per ticket)
Airport Concierge: 4 complimentary airport meet & assist services annually (1 per quarter)
Golf Privileges: Up to 8 complimentary golf games or lessons annually (2 per quarter)
Annual Fee Waiver: The ₹4,999 renewal fee is waived upon spending ₹8 Lakh or more in the previous anniversary year
An honest read on where this card earns its keep — and where it doesn't.
Industry-leading low forex markup fee of just 0.99%
Exceptional reward redemption value of 1 Reward Point = ₹1
Very generous lifestyle perks including 16 BOGO movie tickets and 8 golf rounds annually
Welcome benefit completely offsets the first-year joining fee
Relatively low finance charge (APR) of 1.99% per month
Extremely high income requirement (₹30 Lakhs/year) limits accessibility
Low base reward rate (1%) for a premium credit card
Steep annual spend target (₹12 Lakhs) required to unlock the Taj Epicure membership
Incurs a ₹99 + GST redemption fee when converting Reward Points
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with AU Small Finance Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how AU Zenith+ Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about AU Zenith+ Credit Card fees, reward conversion, lounge access, and application eligibility.
AU Zenith+ Credit Card has an annual fee of ₹4,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Luxury brand gift vouchers (e.g., Taj Hotels, Tata CLiQ) or Reward Points worth ₹5,000 on card activation.".
AU Zenith+ Credit Card earns Reward Points at a primary rate of Up to 2 Reward Points per ₹100 spent. Specifically, Earn 2 Reward Points per ₹100 spent on travel, dining, and international transactions. Earn 1 Reward Point per ₹100 spent on all other eligible categories. (Note: Spends on utility, insurance, education, rent, and government are capped at earning 1,000 Reward Points per cycle).. Spends in Premium, Travel, Dining, Entertainment categories provide the maximum valueback per transaction on this card.
Rewards earned on AU Zenith+ Credit Card can be redeemed for Flight and Hotel Bookings (1 RP = ₹1), Premium Brand E-Vouchers (1 RP = ₹1) via AU Small Finance Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, AU Zenith+ Credit Card features complimentary airport lounge privileges. Privileges include: "Lounge Access: 16 complimentary domestic lounge visits per year (max 4 per quarter) and 16 international lounge visits via Priority Pass (max 4 per quarter)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of AU Zenith+ Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
AU Zenith+ Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
AU Zenith+ Credit Card levies a forex markup fee of 0.99% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
AU Zenith+ Credit Card currently features a welcome offer: "Luxury brand gift vouchers (e.g., Taj Hotels, Tata CLiQ) or Reward Points worth ₹5,000 on card activation.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Industry-leading low forex markup fee of just 0.99% and Exceptional reward redemption value of 1 Reward Point = ₹1. However, keep in mind that Extremely high income requirement (₹30 Lakhs/year) limits accessibility and Low base reward rate (1%) for a premium credit card. Overall, AU Zenith+ Credit Card delivers strong value if your regular spending aligns with Premium, Travel, Dining, Entertainment.
You can apply for AU Zenith+ Credit Card directly through AU Small Finance Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
