AU Zenith+ credit card forex markup cut to 0% from 1 Dec 2026

AU Small Finance Bank will cut the forex markup on its Zenith+ credit card from 0.99% to 0% from 1 December 2026. The bank's combined card terms and its schedule of charges, both marked Last updated on 2nd Nov'2026, list Zenith+ against a 0% markup with the note (Effective 1st Dec 26).

The markup applies to foreign currency transactions and to dynamic and static currency conversion, which covers payments in rupees made abroad and payments to merchants in India that are registered overseas. Until 30 November, Zenith+ stays at 0.99%, the same rate as the AU NOMO and Traverse (NRI) cards. From 1 December it joins the ixigo AU card in the 0% row.

Nothing else changed for Zenith+. We compared the 2 November terms line by line with the version AU published on 12 October 2026. Apart from the new Zenith+ entry, the only edits were formatting: rupee symbols in place of Rs and line breaks. The fee table still shows Zenith+ at Rs 4,999 a year, waived for the next year on Rs 8,00,000 of retail spend in a year. Cash withdrawals stay free of the cash advance fee on Zenith+, and interest stays at 1.99% a month, or 23.88% a year.

Other AU cards keep their markup. Zenith, Vetta, Altura, Altura Plus, LIT, Ananta, CheQ, Paytm AU and the Xcite series stay at 3.49%. The AU CA and AU CS cards stay at 1.99%. GST at 18% applies on top of any markup, so a 0% markup also means no GST on that line.

AU has not issued a separate cardholder notice that we could open. Its notices page refused our request. This report rests on the two terms documents above.

See our AU Zenith+ page, the ixigo AU card that already has a 0% markup, every AU Small Finance Bank credit card, and other cards with a low forex markup. Our forex markup guide explains how the fee is charged.