AU Small Finance Bank Zenith+ Credit Card review
AU Small Finance Bank · Visa · points Official sources Checked 30 Oct 2026
At a glance
- Annual fee
- ₹4,999
- Joining fee
- ₹4,999
- Fee waiver
- ₹8,00,000 a year
- Base return
- 1% base
- Point value
- ₹1 per point
- Domestic lounge
- 16 a year (4 per quarter) per the official page; the page wording says "AU Zenith Credit Card", likely a copy slip for Zenith+. AU lounge T&C PDF excludes Zenith+ from the ₹50,000 quarterly-spend rule
- International lounge
- 16 a year (4 per quarter) via Priority Pass per the official page; Priority Pass charge $35 + tax beyond complimentary visits (MITC)
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | −₹2,923 | -1.6% |
| Metro salaried ₹60k a month | ₹3,041 | 0.4% |
| Family household ₹80k a month | ₹9,720 | 1.0% |
| Frequent flyer ₹1.5L a month | ₹37,200 | 2.1% |
| Online shopper ₹50k a month | ₹1,481 | 0.2% |
| Rent-heavy ₹90k a month | −₹1,927 | -0.2% |
Fee maths: The ₹4,999 annual fee is waived at ₹8,00,000 a year of eligible spend, about ₹66,700 a month. Of our 6 profiles, 2 clear it; on first card, light spender, metro salaried, online shopper, rent-heavy you would pay the fee, which is 62% to 241% (₹2,076 to ₹8,040) of what those profiles earn before the fee. On our 6 profiles it nets from −₹2,923 (first card, light spender) to ₹37,200 (frequent flyer), equal to −1.6% to 2.1% of spend across the profiles. Without a waiver, the metro salaried category mix earns back the fee from about ₹37,500 a month of total spend.
After fees and caps, best-case redemption. Use your own spend.
Our take: A high-fee card (₹4,999, waived at ₹8 lakh) with clear reward economics: AU's page states a point is worth ₹1, earn is 2 points per ₹100 on travel, dining and international spends and 1 per ₹100 elsewhere, plus 1,000 bonus points per statement cycle on ₹75,000 of retail spend. The page lists 16 domestic and 16 international lounge visits a year, though its wording names the card ambiguously. Redemption costs ₹99 plus GST, and cash, EMI, fuel, transport and BBPS payments earn nothing.
From the card's terms: strengths
- 16 domestic lounge visits a year
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| Dining & food delivery, Flights & hotels, International (foreign currency) | 2 | ₹2 | No cap found | Official page (30 Oct 2026): 2 reward points per ₹100 on travel, dining and international spends. |
| Fuel | 0 | ₹0 | No cap found | Official page: fuel is not eligible for reward points. 1% fuel surcharge waiver, max ₹1,000 per statement. 1% fair-usage fee on fuel above ₹25,000 per calendar month (from 1 Jul 2026). |
| Rent | 0 | ₹0 | No cap found | Rent earns nothing (aggregator); official schedule: 1% fee min ₹99 on domestic rent. |
| Bills & utilities | 1 | ₹1 | 1000 pts monthly | Official page: a maximum of 1,000 reward points on Utility & Telecom, Insurance, Education & Government and Rent combined; the period is not stated (assumed monthly). 1% fee above ₹50,000 utility per month (schedule of charges). |
| Everything else, Amazon, Flipkart, Other online shopping, Groceries, Entertainment & OTT | 1 | ₹1 | No cap found | Official page (30 Oct 2026): 1 reward point per ₹100 across all merchant categories. Cash, EMI, fuel, transportation, BBPS and quasi-cash earn nothing. |
Point value: Official AU product page (fetched 30 Oct 2026, Elite Rewards On Spends): "Value of 1 Reward Point is ₹1", matching the AU blog. The ₹0.25 figure seen on aggregators is not supported by any AU document. Redemption fee ₹99 + GST per request (AU MITC, last updated 12 Oct 2026). Reward terms are bound by the Card Member Agreement, which was not found.
Excluded or reduced
- Fuel, cash advances, EMI, quasi-cash earn no points (aggregators)
- Rent earns nothing and attracts 1% fee (min ₹99)
- Transportation (MCC 4111/4112/4784) stopped earning from Apr 2026 and carries 1% fair-usage fee (aggregator + official schedule)
- Utility over ₹50,000 per month: 1% fee; insurance, education/government capped or excluded (aggregator)
Spend milestones
- Spend ₹75,000 a month: 1,000 reward points (1 RP = ₹1) on ₹75,000 minimum retail spend per statement cycle; utility, insurance, transportation, rent, education/government, fuel, cash and EMI do not count (official page, 30 Oct 2026) (about ₹1,000)
- Spend ₹12,00,000 a year: Complimentary Taj Epicure membership on ₹12 lakh net retail spend in a card anniversary year (official page)
Other benefits
- Welcome: Brand voucher worth ₹5,000 or 5,000 reward points on activation (official).
- Forex markup 0.99% (official schedule)
- Zero cash withdrawal fee (official schedule)
- 1% fuel surcharge waiver, max ₹1,000 per statement
- Complimentary BookMyShow tickets, golf, airport Meet and Assist, 24x7 concierge (official page; counts unverified)
- Complimentary device protection plan, add-on cards free
Eligibility
Monthly net income ₹2.5 lakh; salaried 21-60, self-employed 25-65, resident Indian (official, indicative). indicative: check the application page
Where it ranks
Compare
Related guides
- How to read a credit card MITC
- How annual fee waivers work
- Fuel surcharge waivers explained
- Airport lounge access on credit cards
- Paying rent with a credit card
- Fees on rent, wallet, utility, fuel and education spends
- Forex markup and using a card abroad
- How reward points work and what they are worth
- Credit card devaluations and what to do
FAQ
What is the annual fee of the AU Small Finance Bank Zenith+ Credit Card?
₹4,999 a year, waived at ₹8,00,000 annual spend. Fees exclude 18% GST.
How do AU Small Finance Bank Zenith+ Credit Card rewards work?
1% base, up to 2% on dining & food delivery/flights & hotels/international (foreign currency). Official AU product page (fetched 30 Oct 2026, Elite Rewards On Spends): "Value of 1 Reward Point is ₹1", matching the AU blog. The ₹0.25 figure seen on aggregators is not supported by any AU document. Redemption fee ₹99 + GST per request (AU MITC, last updated 12 Oct 2026). Reward terms are bound by the Card Member Agreement, which was not found.
Does the AU Small Finance Bank Zenith+ Credit Card give airport lounge access?
Domestic: 16 a year (4 per quarter) per the official page; the page wording says "AU Zenith Credit Card", likely a copy slip for Zenith+. AU lounge T&C PDF excludes Zenith+ from the ₹50,000 quarterly-spend rule. International: 16 a year (4 per quarter) via Priority Pass per the official page; Priority Pass charge $35 + tax beyond complimentary visits (MITC).
Who is the AU Small Finance Bank Zenith+ Credit Card best suited to?
A high-fee card (₹4,999, waived at ₹8 lakh) with clear reward economics: AU's page states a point is worth ₹1, earn is 2 points per ₹100 on travel, dining and international spends and 1 per ₹100 elsewhere, plus 1,000 bonus points per statement cycle on ₹75,000 of retail spend. The page lists 16 domestic and 16 international lounge visits a year, though its wording names the card ambiguously. Redemption costs ₹99 plus GST, and cash, EMI, fuel, transport and BBPS payments earn nothing. The ₹4,999 annual fee is waived at ₹8,00,000 a year of eligible spend, about ₹66,700 a month. Of our 6 profiles, 2 clear it; on first card, light spender, metro salaried, online shopper, rent-heavy you would pay the fee, which is 62% to 241% (₹2,076 to ₹8,040) of what those profiles earn before the fee. On our 6 profiles it nets from −₹2,923 (first card, light spender) to ₹37,200 (frequent flyer), equal to −1.6% to 2.1% of spend across the profiles.
Sources
- AU Zenith+ Credit Card official page official fetched 2026-10-29
- AU credit card Schedule of Charges v1.9, 30 Sep 2026 (official PDF) official fetched 2026-10-29
- AU Zenith+ welcome benefit T&C (official PDF) official fetched 2026-10-29
- CardAdvisor AU Zenith+ aggregator fetched 2026-10-29
- PickMyCard AU Zenith+ aggregator fetched 2026-10-29
- AU Zenith+ blog (official): up to 2 RP per Rs 100, each RP valued Rs 1, 1,000 bonus RP monthly official fetched 2026-10-30
- AU credit card MITC (with schedule of charges), updated 12 Oct 2026 (official PDF) official fetched 2026-10-30
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with AU Small Finance Bank before you apply. Methodology.
