AU Zenith+ Credit Card
Fees
₹4,999 + Taxes
Joining & annual
Reward Rate
Up to 2 Reward Points per ₹100 on dining, travel & international spends; 1 Reward Point per ₹100 across all other merchant categories; 1 Reward Point = ₹1
Welcome Bonus
1,000 Reward Points on ₹75,000 monthly spends
Lounge
16 International/yr via Priority Pass
Our Expert Take
AU Zenith+ stands out mainly for its 0.99% forex markup, among the lowest we've seen outside cards built specifically for international spending, paired with generous international lounge access via Priority Pass. It's a strong pick if overseas travel is a regular part of your spending, less so if it isn't.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
2 points per ₹100 on dining, travel and international
No limit -
1 point per ₹100 on other spends
No limit
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 0.99% forex markup, among the lowest available
- 16 complimentary international airport lounge visits/year via Priority Pass
- Buy 1 Get 1 Free movie tickets via BookMyShow (up to 16/year)
- Air accident cover up to ₹2 Crore
- Complimentary golf games & lessons (8/year)
Limitations
- ₹4,999 annual fee (waived only on ₹8 Lakh spends)
- Minimum income requirement of ₹2.5 lakh/month, a high eligibility bar
- Complex rewards structure with monthly spend targets
- Only available to Resident Indians
Key Perks & Spending Milestones
0.99% low forex mark-up fee on international transactions
16 complimentary international airport lounge visits/year (Priority Pass, max 4/quarter)
16 complimentary domestic airport lounge visits/year
4 complimentary airport meet & assist concierge services/year (max 1/quarter)
24x7 global concierge assistance
Buy 1 Get 1 Free movie/event tickets via BookMyShow (up to 16 free/year, max ₹500/ticket)
8 complimentary golf games or lessons/year (max 2/quarter)
1% fuel surcharge waiver up to ₹1,000/month
Air accident insurance cover up to ₹2 Crore
Card liability cover up to ₹15 Lakhs
Purchase protection up to ₹50,000
Device protection, baggage delay & flight delay cover
Complimentary Taj Epicure membership on ₹12 Lakh annual spends
Spend milestone
1,000 reward points on monthly retail spends of ₹75,000
Spend milestone
Complimentary Taj Epicure membership on annual spends of ₹12 Lakh
Spend milestone
Annual fee waived on annual retail spends of ₹8 Lakh
Fees & Charges
Joining fee
₹4,999 + Taxes
Annual fee
₹4,999 + Taxes
Annual fee waived on annual retail spends of ₹8 Lakh
Interest rate
1.99% per month (23.88% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_5000: ₹600; 5001_to_10000: ₹700; 10001_to_20000: ₹800; 20001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹2 Crore
purchase protection
Up to ₹50,000
Eligibility Criteria
employment profiles
Salaried (₹2.5 Lakh/month min income, age 21-60); Self-Employed (age 25-65)
nationality
Resident Indian
Credit score & income
Resident Indian, Age 21–60 (salaried), Min income ₹2.5 Lakh/month
Frequently Asked Questions
What's the reward rate on AU Zenith+?
How many lounge visits does AU Zenith+ offer?
What golf and movie perks does this card include?
Compare AU Zenith+ Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| AU Zenith+ Credit Card This Card | ₹4,999 + Taxes | Up to 2 Reward Points per ₹100 on dining, travel & international... | 16 International/yr via Priority Pass | 3.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |