AU Zenith+ Credit Card
Fees
₹4,999 + Taxes
Joining & AnnualReward Rate
Accelerated reward points; 0.99% low forex mark-up fee on international spends
Welcome Bonus
1,000 Reward Points on ₹75,000 monthly spends
Lounge Access
16 International/yr via Priority Pass
FindMyCard 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.
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
Editorial Verdict
The AU Zenith+ Credit Card is ideally suited for international travel & luxury hotel memberships. If you want accelerated reward points; 0.99% low forex mark-up fee on international spends, this card delivers real value. The ₹4,999 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Resident Indian, Age 21–60 (salaried), Min income ₹2.5 Lakh/month credit to be approved.
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
🚀 Milestone Spends Timeline
1,000 reward points on monthly retail spends of ₹75,000
Complimentary Taj Epicure membership on annual spends of ₹12 Lakh
Annual fee waived on annual retail spends of ₹8 Lakh
Fees & Charging Rates
Annual Fee Waivers
₹4,999 + Taxes
💡 Annual fee waived on annual retail spends of ₹8 Lakh
Regular Interest Charges
1.99% per month (23.88% per annum)
📅 Late Payment Fee Penalty Tiers
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
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 | Accelerated reward points; 0.99% low forex mark-up fee on... | 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 |