AU Bank Zenith+ Credit Card
AU Small Finance Bank · Visa + RuPay · Super Premium card
Fills a genuine premium-travel gap with very broad lounge access, sub-1% forex markup and a welcome benefit that can offset the first-year fee.
High-income frequent travellers who can use both domestic and international airport lounges and clear the annual fee waiver.
Terms checked 13 Sept 2026
- Annual fee
- ₹4,999 + GST
- Joining fee
- ₹4,999 + GST
- Base reward rate
- 1%
- Forex markup
- 1.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 2% |
| Travel & hotels | 2% |
| International spending | 2% |
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Bills & utilities | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Gold & jewellery | 1% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹8,00,000 annual spending
- Monthly income requirement
- Approx. ₹2,50,000/month salaried · ₹2,50,000/month self-employed
Airport lounge access
16 domestic airport lounge visits per year • 16 international airport lounge visits per year
4 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
4 international airport lounge visits per quarter · Priority Pass
Guest access: Chargeable
Priority Pass use within India is chargeable.
Movies and entertainment
BookMyShow · Buy one, get one · up to ₹500 · 16 uses/year
Availability: Maximum four uses per calendar quarter across eligible movies and events..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Travel, dining and international rewards
Usage-based valueTwo ₹1 reward points per ₹100 on eligible travel, dining and international purchases.
Utility and telecom rewards
Usage-based valueOne point per ₹100 on eligible utility and telecom spend, with at most 100 points per transaction.
Insurance rewards
Usage-based valueOne point per ₹100 on eligible insurance payments, subject to the special-category statement-cycle cap.
Other eligible rewards
Usage-based valueOne ₹1 reward point per ₹100 on other eligible retail purchases.
Two ₹1 points per ₹100 on eligible travel, dining and international spend; one point elsewhere
Shown without a cash value1,000 bonus points in every statement cycle with ₹75,000 eligible spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹4,999₹4,999 annual fee before applicable tax.
Joining fee
Cost ₹4,999₹4,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹4,999Annual fee may be waived after ₹8,00,000 of eligible annual spending.
Conditions: Reach ₹8,00,000 eligible annual spending
Welcome benefits · 1 item
₹5,000 welcome choice
Recorded value ₹5,000Choice of an eligible ₹5,000 brand voucher or 5,000 Zenith+ reward points.
Conditions: Pay the applicable joining fee · Select and claim one published welcome option
Spend milestones · 1 item
1,000 points at ₹75,000 statement-cycle spend
1,000 reward unitsRent, education, government, telecom/utility, insurance, fuel, cash and EMI transactions do not qualify for this milestone.
Conditions: Reach ₹75,000 per statement cycle
Airport lounge access · 2 items
Domestic lounge access
Usage-based value4 visits per quarter through Issuer card. Guest access: not specified.
International lounge access
Usage-based value4 visits per quarter through Priority Pass. Guest access: chargeable. Priority Pass use within India is chargeable.
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹8,000Buy one, get one offer up to ₹500, 16 times per year. Maximum four uses per calendar quarter across eligible movies and events.
Golf · 1 item
Eight complimentary golf rounds or lessons yearly, maximum two per quarter
Shown without a cash value
Insurance and protection · 2 items
Air-accident and purchase-protection covers under the issuer policy
Shown without a cash valueComplimentary device protection for eligible ₹7,000+ devices registered within five days; up to seven devices by published type limits
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000 per statement cycle
Shown without a cash value
Memberships · 1 item
Taj Epicure membership after ₹12 lakh net retail spend in a card anniversary year
Shown without a cash value
Concierge · 1 item
24x7 global concierge and priority service
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value0.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹2,50,000. The product page publishes ₹2.5 lakh monthly net income and different age ranges by employment type.
Other benefits · 2 items
Four airport meet-and-assist services yearly, maximum one per quarter
Shown without a cash valueZero cash-withdrawal fee; finance charges still apply from withdrawal
Shown without a cash value
Other categories (3)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Official source 5 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Official source 4 ↗Official source 5 ↗
What stands out
- ✓ Two ₹1 points per ₹100 on eligible travel, dining and international spend; one point elsewhere
- ✓ 1,000 bonus points in every statement cycle with ₹75,000 eligible spend
- ✓ Sixteen domestic and sixteen international airport lounge visits yearly
- ✓ 0.99% forex markup plus movies, golf, meet-and-assist, Taj and protection benefits
What to watch
The ₹4,999 fee needs ₹8 lakh annual spend for waiver, while Taj Epicure needs ₹12 lakh. Rent, education, government, fuel, EMI and cash transactions do not earn points; utility earning has a per-transaction limit.
Recorded exclusions
Fuel Commute · Education Family · Rent · Government payments · Bbps · Emi · Cash withdrawal · Quasi cash · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026