M16S / AU Small Finance Bank / AU Zenith+ Credit Card
super-premium · rewards, travel
AU Zenith+ Credit Card
The AU Zenith+ Credit Card costs Rs 4,999 a year, waived if you spend Rs 8,00,000 in a year. Its base return is 1% (1 RP per Rs 100). Accelerated earn: 2 RP per Rs 100 on travel, dining and international spends. The forex markup is 0.99%. Lounge visits in India: 16 per year (4 per quarter). Abroad: 16 per year (4 per quarter) via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 4,999+ GST
- Fee waived at
- Rs 8,00,000annual spend
- Base return
- 1%
- Forex markup
- 0.99%
- Interest
- —
What changed on this card
- AU Zenith+ credit card forex markup cut to 0% from 1 Dec 2026
AU Small Finance Bank will charge no forex markup on the Zenith+ credit card from 1 December 2026, down from 0.99%. Its card terms updated on 2 November 2026 show the change.
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU raises Priority Pass usage charge to USD 35, Jan 2025
From 1 January 2025 Priority Pass usage in India and visits above the complimentary international visits are charged USD 35 per visit, up from USD 27. Applies to Zenith+, Zenith, Vetta and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 4,999 |
|---|---|
| Annual fee | Rs 4,999 |
| Annual spend that waives the fee | Rs 8,00,000 |
| Fee notes | Rs 4,999 + GST joining fee charged on activation, no waiver. Renewal waived on Rs 8 lakh net retail spend in the previous anniversary year. Card replacement Rs 2,500 + taxes (metal). |
Rewards
| Welcome benefit | Voucher worth Rs 5,000 or 5,000 Reward Points after activation |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 RP per Rs 100 |
| Base return | 1% |
| Point value | 1 RP = Rs 1 |
| Accelerated earn | 2 RP per Rs 100 on travel, dining and international spends |
| Capsunverified | Max 1,000 RP on utility & telecom, insurance, education & government and rent (period not stated on page) |
| Spends that earn nothing | Cash, EMI, fuel, transportation, BBPS, quasi-cash |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | 1,000 RP on Rs 75,000 retail spend in a statement cycle (utility, insurance, transportation, rent, education & govt, fuel, cash, EMI excluded). Taj Epicure membership on Rs 12 lakh net retail spend in an anniversary year. |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 1 RP per Rs 100 x Rs 1. |
Travel and perks
| Domestic lounge | 16 per year (4 per quarter) |
|---|---|
| International lounge | 16 per year (4 per quarter) via Priority Pass |
| Lounge conditions | No spend condition stated. Priority Pass use at lounges inside India is charged (USD 35 + taxes per visit). Guest policy not stated. |
| Forex markup | 0.99% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 1,000 per statement cycle |
| Other freebies | BookMyShow BOGO up to 16 tickets a year (4 per quarter, up to Rs 500 off); 8 golf games/lessons a year (2 per quarter); 4 airport meet & assist a year; air accident cover Rs 2 crore; credit shield Rs 15 lakh; purchase protection Rs 50,000; travel covers; device protection; 24x7 concierge; free add-on cards |
Charges and eligibility
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
|---|---|
| Cash advance fee | Zero cash withdrawal fee (interest still accrues from withdrawal date) |
| Eligibility | Net monthly income Rs 2.5 lakh (indicative); salaried 21-60, self-employed 25-65; resident Indian |
| Fine-print notes | Listing page says the Zenith+ yearly milestone benefit was discontinued from 1 Jan 2026 while the product page still lists a Taj Epicure milestone at Rs 12 lakh; confirm before relying on it. KFS lists a 1.99% per month rate that could not be mapped to a card in the PDF text, so interest is left null. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Zenith+ Credit Card?
- Rs 4,999 a year, before GST. It is waived if you spend Rs 8,00,000 in a year.
- Does the AU Zenith+ Credit Card give airport lounge access?
- Yes. In India: 16 per year (4 per quarter). Outside India: 16 per year (4 per quarter) via Priority Pass. Conditions: No spend condition stated. Priority Pass use at lounges inside India is charged (USD 35 + taxes per visit). Guest policy not stated.
- What is the forex markup on the AU Zenith+ Credit Card?
- 0.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Zenith+ Credit Card?
- Cash, EMI, fuel, transportation, BBPS, quasi-cash