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1st Year Fee: ₹4,999* Plus Applicable Taxes
Lounge Access
Up to 32 free airport lounge visits per year
International Use
Low forex mark-up fee of just 0.99%
Movies
Up to 16 free movie tickets in a year
Author: Lepakshi Phogat
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AU Zenith+ Credit Card is a premium metal card that caters to the needs of frequent travellers as well as rewards high-spenders. A competitive addition to the list of premium cards, such as SBI Card Elite and HDFC Regalia Gold, this card offers benefits across multiple categories, like international travel, movies, golf, dining and others. Additional benefits, including complimentary airport lounge access and low forex mark-up fee further add to the card’s value.
AU Zenith+ also serves as an upgraded version of AU Zenith Credit Card and offers enhanced features, such as a lower foreign exchange mark-up fee, more complimentary lounge visits, and premium hotel membership, but falls a little behind when it comes to the reward rate with only up to 2% value-back despite charging a high annual fee. AU Zenith on the other hand offers up to 5% back as reward points. Nonetheless, impressive international travel benefits still make Zenith Plus credit card a good choice for frequent travellers. Read on to know about its detailed features that can help you decide whether this AU credit card would be the right choice for you.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the AU Small Finance Bank’s website.
Welcome Benefit:
Rewards Program:

AU Zenith Plus offers a good joining bonus that compensates for the card fee charged. However, the accelerated rewards rate of 2% on select spending categories with a base rate of 1% is low for a premium card, especially when compared with other cards like Cashback SBI that comes at a much lower fee and offers 5% value-back on all online and 1% on offline spends. If we compare the value-back rate on travel expenses, travel cards like Axis Atlas and Air India SBI Signature still outshine Zenith+ by offering up to 5% and 4% savings respectively. So, the one advantage that Zenith+ seems to have when it comes to its rewards program is the rewards redemption ratio of 1:1 which is quite good and can give this card a slight edge over other all-rounder cards with a high earning rate but a low redemption value.

Milestone Benefits:
Forex Mark-up Fee: A low forex mark-up fee of 0.99%
Complimentary Lounge Access:
Entertainment Benefits: Up to 16 complimentary movie/ event tickets via buy 1 get 1 free ticket offer on BookMyShow, capped at 4 free tickets with up to Rs. 500 off per ticket in every quarter.
Golf Benefit: 8 complimentary golf games/ lessons per year, capped at 2 golf rounds/ lessons per quarter
Concierge Services2:
Fuel Benefit:
1% fuel surcharge waiver of up to Rs. 1,000 per month on all fuel transactions
Insurance Coverage:
| Insurance Cover | Amount |
| Air Accident Cover | Up to Rs. 2 crore |
| Card Liability Cover | Up to Rs. 15 lakhs |
| Credit Shield | Up to Rs. 15 lakhs |
| Purchase Protection | Up to Rs. 50,000 |
In addition to the above-mentioned covers, cardholders can also avail device protection plan for electronics purchased via the card and other travel-related covers for baggage delay, light delay, loss of passport, and plane hijack.
| Particulars | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 4,999 + Applicable Taxes | ||||||||||||||||
| Forex Mark-up Fee | 0.99% | ||||||||||||||||
| Finance Charges | 1.99% per month (23.88% per annum) | ||||||||||||||||
| Late Payment Charges |
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You frequently travel within and outside the country and want a card with low forex mark-up fee
You are a high-spender, do not mind paying a high annual fee and can maximise savings by availing the milestone benefits
You frequently make movie ticket bookings through BookMyShow
You prefer to earn reward points on your spends, instead of direct cashback
Min. Net Income: Rs. 2.5 lakh per month
Age: 21 to 60 years (25 to 65 years for self-employed)
Age for Add-on Card: 18 years and above
Nationality: Resident Indian
Movies3.5/5
Rewards3.0/5
Lounge Access3.5/5
International Spends3.5/5
AU Zenith+ Credit Card comes as a decent option for those who frequently travel abroad and want a card with good travel as well as lifestyle-related benefits. A low forex mark-up fee of just 0.99%, complimentary domestic and international airport lounge access, airport meet and assist services, and accelerated reward rate on travel and international spends benefit the travellers quite well. If you are a high-spender, then you can also avail the complimentary Taj Epicure membership by reaching the spending milestone. Other lifestyle benefits, like up to 16 free movie tickets, 2% savings on dining as reward points and complimentary golf rounds, among other card benefits further add to the overall value of this card.
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Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.