Credit Cards · Honest Review
AU Zenith+ Credit Card
AU Small Finance Bank · Visa
Your Verdict
- ✓₹5,000 luxury vouchers as welcome benefit on card activation
- ✓5X reward points on travel and dining spends
- ✓Unlimited domestic and international lounge access
- ✓Concierge services and luxury lifestyle benefits
- ✓1% fuel surcharge waiver
What AU Zenith+ Credit Card costs you
AU Zenith+ Credit Card carries a ₹4,999 annual fee and a ₹4,999 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹4,999 |
| Joining fee (one-time) | ₹4,999 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
AU Zenith+ Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| ✈️ Travel & Flights | 5% |
| 🍽️ Dining & Food | 5% |
₹5,000 luxury vouchers + 10,000 reward points on activation
Reward types: Points · Lounge
Beyond the reward rate
The non-reward benefits on AU Zenith+ Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for AU Zenith+ Credit Card
AU Zenith+ Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 760 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,00,000 |
| CIBIL score | 760+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get AU Zenith+ Credit Card
- → Heavy spenders on travel & flights who want 5% back
- → Heavy spenders on dining & food who want 5% back
- → Frequent travelers who value airport lounge access
AU Zenith+ Credit Card — Questions answered
What is the annual fee for AU Zenith+ Credit Card?
What is the minimum income required for AU Zenith+ Credit Card?
What is the reward rate on AU Zenith+ Credit Card for travel & flights?
Does AU Zenith+ Credit Card provide airport lounge access?
How long does it take to get AU Zenith+ Credit Card approved?
How long does it take to get AU Zenith+ Credit Card approved?
Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.
Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.