All cards / AU Small Finance Bank
AU Bank Zenith Plus Credit Card
AU Bank's top-of-house metal card above the standard Zenith, cutting forex markup to 0.99% and roughly doubling lounge and Meet & Assist access, at a correspondingly higher ₹4,999 fee.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Up to 16 buy-one-get-one movie/event tickets a year via BookMyShow
- Rewards rate: 1% base rate
- Domestic lounge access: 16 complimentary domestic lounge visits a year, plus quarterly Airport Meet & Assist
- International lounge access: 16 complimentary international lounge visits a year via Priority Pass
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate
- ✈️ Travel
2% reward rate · 16 complimentary domestic and 16 complimentary international lounge visits a year, plus quarterly Airport Meet & Assist
- 🌍 Forex / international spend
0.99% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹80,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹8,00,000
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 0.99%
- Interest rate: 23.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, maximum ₹1,000 per statement month
- Cash advance charges: Zero cash withdrawal fee on Zenith+; cash limit 20% of the card limit
Benefits
- ₹5,000 luxury gift vouchers (Taj, Michael Kors, Tata CLiQ) or equivalent reward points on activation
- 16 complimentary domestic and 16 complimentary international lounge visits a year, plus quarterly Airport Meet & Assist
- Up to 16 buy-one-get-one movie/event tickets a year via BookMyShow
- Complimentary Taj Epicure membership on ₹12 lakh+ annual retail spend
Pros
- + Very low 0.99% forex markup
- + Generous 16+16 lounge visits and Meet & Assist perks
- + Strong luxury welcome voucher
Cons
- − High ₹4,999 fee with a steep renewal-year waiver bar
- − Same demanding income eligibility as the base Zenith
- − Overlaps closely with the cheaper Zenith card outside forex/lounge counts
Best for
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