AU Small Finance Bank
AU Zenith Plus Credit Card
Data last verified: 11 October 2026
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Reward rate1% base, up to 2% on dining
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- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Fee waiverOn ₹8 lakh spend a year
- Forex markup0.99%
- Interest (APR)1.99% a month, 23.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹1,000 a month
The Zenith+ earns 1 point per Rs 100, and each point is worth Rs 1, so that is 1% back. Travel, dining and international spends earn 2%. The forex markup is only 0.99%. You get 16 domestic and 16 international lounge visits a year through Priority Pass, with no spend condition, and up to 8 golf rounds or lessons a year.
It costs ₹4,999 a year and the fee is waived once you spend ₹8 lakh in the year. New cardholders get welcome vouchers worth Rs 5,000, which covers the first year. After that, the lounges alone are worth more than the fee if you fly often.
It suits frequent flyers earning Rs 2.5 lakh a month or more. The catch is the high income bar and the ₹8 lakh waiver target.
Best for: Frequent flyers, High earners who spend abroad, Golfers.
01AU Zenith Plus Credit Card Rewards and Benefits
02AU Zenith Plus Credit Card Annual Fee and Charges
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Spend-based waiver
- Annual fee waived on ₹8 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 0.99%
- Interest rate
- 1.99% a month (23.88% a year)
- Fuel surcharge waiver
- Yes, up to ₹1,000 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 2%₹100
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹3,000 a year₹250
- Annual fee with 18% GST−₹5,899
- It costs you each year₹2,899
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 2% back
- Travel: 2% back
- Spending ₹66,667 or more a month: the ₹5,899 fee is waived
- Flyers: 32 airport lounge visits a year
- Spending abroad: 0.99% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹66,667 a month (₹8,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on dining, travel or foreign spends: the 2% rate applies only there, everything else earns 1%
- you sometimes pay only the minimum due: interest of 1.99% a month (23.88% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹4,999 each
- Fee waived on ₹8 lakh annual spend
- 1% back on all spends, 2% on travel, dining and international spends
- Forex markup of 0.99%
- 16 domestic and 16 international lounge visits a year, no spend condition
- Up to 8 golf rounds or lessons a year
- Welcome vouchers worth ₹5,000
05Pros and Cons
Pros
- Very low 0.99% forex markup
- 32 lounge visits with no spend rule
- Flat 1% on everything, 2% on travel and dining
- Welcome vouchers cover the first year's fee
Cons
- Needs a monthly income of around ₹2,50,000
- Waiver needs ₹8 lakh a year
- ₹4,999 fee from the second year if you miss the waiver
06How AU Zenith Plus Credit Card earns Rewards
1% base, up to 2% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | All merchants in the categoryTerms: 2 reward points per ₹100 on dining; at AU's published ₹1/point value → 2% effective |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | No cap | All merchants in the categoryTerms: 2 reward points per ₹100 on travel; at AU's published ₹1/point value → 2% effective |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| Rent | 1% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| Insurance premiums | 1% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| School and college fees | 1% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| Wallet top-ups | 1% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 2% | No cap | All merchants in the categoryTerms: 2 reward points per ₹100 on international spends; at AU's published ₹1/point value → 2% effective |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1 reward point per ₹100 on all other spends; AU values 1 reward point at ₹1 → 1% effective. Utility, insurance, education-government and rent earn max 1,000 reward points (period unspecified by AU)
07AU Zenith Plus Credit Card Lounge Access and Travel
Domestic lounge access is 16 visits a year, international is 16 visits a year, through Priority Pass with Priority Pass. 4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter via Priority Pass (16/year), unconditional with no spend gate. Spending abroad carries a 0.99% forex markup; rewards on it: 2% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, hotel membership, airport lounge access, milestone bonuses, movie ticket offers.
- Concierge service: Airport Meet & Assist, end-to-end VIP airport check-in assistance, 4 complimentary services a year (1 per quarter)
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹1,000 per cycle
- Golf privileges: Up to 8 complimentary golf games or lessons a year (2 per calendar quarter) at select courses, booked via concierge; handicap certificate required
- Hotel membership: Complimentary Taj Epicure membership on ₹12 lakh of net retail spend in a card anniversary year
- Milestone bonuses: 1,000 reward points (₹1,000 at ₹1/point) on ₹75,000+ net retail spend in a statement cycle, can repeat each qualifying cycle. AU excludes utility, insurance, transportation, rent, education-government, fuel, cash and EMI spends from the milestone calculation
- Movie ticket offers: Up to 16 buy-one-get-one BookMyShow movie/event tickets a year (4 per quarter), discount up to ₹500 per ticket
08AU Zenith Plus Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹2,50,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Transportation spends stop earning rewardsSource: AU Small Finance Bank | Transportation-category spends earned reward points | No reward points on transportation MCCs |
| 27 Jan 2025 | Changed: AU Zenith Plus metal card launchesSource: AU Small Finance Bank | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU Zenith Plus Credit Card
AU Zenith Plus Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Zenith Plus Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹4,999 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹4,999 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 1% base, up to 2% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 16 visits a year | 2 visits a year | Not included |
| Forex markup | 0.99% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU Zenith Plus Credit Card Bill
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Common Questions
Is the ₹4,999 fee waived?
Yes, for the next year, once you spend ₹8 lakh in a year. Below that the fee plus GST is charged.
Do lounge visits need a minimum spend?
No. You get 4 domestic and 4 international visits every quarter with no spend condition.
What is the forex markup?
0.99% on foreign currency spends.
Who can apply?
Applicants aged 21 to 65 with a monthly income of around ₹2,50,000.
What is the joining fee for the AU Zenith Plus Credit Card?
The joining fee is ₹4,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Zenith Plus Credit Card?
The annual fee is ₹4,999 + GST.
Does the AU Zenith Plus Credit Card give airport lounge access?
Yes. Domestic lounge access is 16 visits a year, international is 16 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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