In-depth review
AU Zenith Plus Credit Card
AU's metal premium card, priced at ₹4,999 to undercut the older ₹7,999 Zenith. AU values 1 reward point at ₹1, which makes the 2 points per ₹100 on dining, travel and international a genuine 2% return (1% elsewhere) — but the privileges are still the point: a Taj Epicure membership gated behind ₹12 lakh of annual spend, 32 lounge visits a year, golf and BookMyShow tickets. Eligibility is steep at AU's published ₹2.5 lakh monthly income.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹5,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
2% on Dining
2 reward points per ₹100 on dining; at AU's published ₹1/point value → 2% effective
2% on International
2 reward points per ₹100 on international spends; at AU's published ₹1/point value → 2% effective
Airport Lounge Access
Complimentary: 16 domestic airport lounge visits a year (4 a quarter) and 16 international (4 a quarter)
Annual Fee Waiver
Fee of ₹4,999 + 18% GST (₹5,899 all-in)/yr fully waived when you spend ₹8,00,000/year
Golf Privileges
Up to 8 complimentary golf games or lessons a year (2 per calendar quarter) at select courses, booked via concierge; handicap certificate required
24x7 Concierge
Airport Meet & Assist — end-to-end VIP airport check-in assistance, 4 complimentary services a year (1 per quarter)
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹1,000/month
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹4,000
Golf perk value
₹3,000
Milestone bonus value
- 24x7 lifestyle and travel concierge
- Complimentary golf access at premium courses
- Complimentary Taj Epicure membership on ₹12 lakh of net retail spend in a card anniversary year
- 1,000 reward points (₹1,000 at ₹1/point) on ₹75,000+ net retail spend in a statement cycle — can repeat each qualifying cycle. AU excludes utility, insurance, transportation, rent, education-government, fuel, cash and EMI spends from the milestone calculation
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
16 visits/yr
Domestic lounges
Priority Pass
International lounges
₹24,000
Estimated annual value
0.99%
Forex markup
2.0%
Travel reward rate
- Domestic + international airport lounge access (16 domestic visits/yr, worth ~₹24,000)
- Low forex markup: 1.0%
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Up to 16 buy-one-get-one BookMyShow movie/event tickets a year (4 per quarter), discount up to ₹500 per ticket
For premium spenders who value Taj Epicure dining/stay privileges, golf and generous lounge access, backed by a genuine 2% earn on dining, travel and international spends — and who can clear AU's published ₹2.5 lakh monthly income bar.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2%2 pts/₹100 × ₹1.00 | — |
| International | reward points | 2%2 pts/₹100 × ₹1.00 | — |
| Travel | reward points | 2%2 pts/₹100 × ₹1.00 | — |
| Other | reward points | 1%1 pts/₹100 × ₹1.00 | — |
Dining: 2 reward points per ₹100 on dining; at AU's published ₹1/point value → 2% effective
International: 2 reward points per ₹100 on international spends; at AU's published ₹1/point value → 2% effective
Travel: 2 reward points per ₹100 on travel; at AU's published ₹1/point value → 2% effective
Other: 1 reward point per ₹100 on all other spends; AU values 1 reward point at ₹1 → 1% effective. Utility, insurance, education-government and rent earn max 1,000 reward points (period unspecified by AU)
Earns nothing on: Fuel · EMI Conversions · Cash Advances · Transportation · BBPS bill payments · Quasi-cash transactions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹5,899 |
| Joining fee (incl. 18% GST) | ₹5,899 |
| Finance charge (APR) | 1.99% p.m. |
| Forex markup | 0.99% |
| Fuel surcharge waiver | 1%, cap ₹1,000 |
Perks & benefits
Estimated annual value beyond rewards — ~₹41,500/yr in total.
Airport Meet & Assist — end-to-end VIP airport check-in assistance, 4 complimentary services a year (1 per quarter)
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹1,000 per cycle
Up to 8 complimentary golf games or lessons a year (2 per calendar quarter) at select courses, booked via concierge; handicap certificate required
Complimentary Taj Epicure membership on ₹12 lakh of net retail spend in a card anniversary year
4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter via Priority Pass (16/year), unconditional with no spend gate
1,000 reward points (₹1,000 at ₹1/point) on ₹75,000+ net retail spend in a statement cycle — can repeat each qualifying cycle. AU excludes utility, insurance, transportation, rent, education-government, fuel, cash and EMI spends from the milestone calculation
Up to 16 buy-one-get-one BookMyShow movie/event tickets a year (4 per quarter), discount up to ₹500 per ticket
Should you get it?
- Best for: Premium lifestyle spenders, Taj / hotel-programme enthusiasts who reach ₹12 lakh annual spend
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (2% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 2% effective earn on dining, travel and international (AU values 1 reward point at ₹1)
- Metal card with complimentary Taj Epicure membership on high spend
- Complimentary golf, BookMyShow tickets and unconditional lounge access — add-on cardholders are also eligible for domestic lounge visits
- Zero cash-withdrawal fee, 1% fuel surcharge waiver up to ₹1,000, lower 0.99% forex markup
✕ Cons
- Steep published eligibility bar — ₹2.5 lakh monthly net income (AU calls its criteria indicative)
- Taj Epicure membership is gated behind ₹12 lakh of annual spend
- Best value only if you actively use the lifestyle privileges
Eligibility & documents
This is the figure for salaried applicants. Where AU Small Finance Bank sets a separate one for the self-employed, its own eligibility page gives it.
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Statement credit / cashback adjustment
- 🎁A ₹99 + GST fee applies per redemption
What your AU Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The marquee Taj Epicure benefit is gated behind ₹12 lakh of annual spend and AU's published eligibility bar is steep (₹2.5 lakh monthly net income, indicative) — below the Taj gate, the case rests on the 2% categories, lounge, golf and the metal form.
Frequently asked questions
What makes the AU Zenith Plus different from the AU Zenith?
How do I get the Taj Epicure membership?
What is the welcome benefit?
What does it earn?
Is there a RuPay version?
What are the age criteria?
How has the AU Zenith Plus Credit Card changed over time?
Has the AU Zenith Plus Credit Card been devalued recently?
When did the AU Zenith Plus Credit Card's fees last change?
How did the AU Zenith Plus Credit Card change in 2026?
The bottom line
A premium metal card that now reads as both earner and privileges play. At AU's ₹1-per-point value, the 2 RP per ₹100 on dining, travel and international is a real 2% return (1% elsewhere), and the Taj Epicure membership, golf and 32 lounge visits a year remain the differentiators. At ₹4,999 it is competitively priced for a metal card with a hotel-programme tie-in.
How this page was built
Counted from this card’s own record: 4 earn rules, the spends listed as earning nothing and 7 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the AU Zenith Plus Credit Card are taken from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Jul 2026
2026
- ▼ FeeEffective 1 Jul 2026
Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate
1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000→1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
From 1 July 2026 AU tightened its fuel fair-usage charge: the trigger dropped from ₹50,000 of aggregate fuel spend in a calendar month to ₹25,000 (or a single fuel transaction above ₹10,000), and the 1% charge is now levied on the entire aggregate fuel spend for the month rather than the portion above the threshold. Fair-usage charges do not apply to international transactions. The complimentary fuel-surcharge waiver bands are unchanged.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 14 Jun 2026
New 1% fair-usage charge on transportation spends
No transportation fair-usage charge→1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
From 14 June 2026 AU levies a 1% fair-usage charge when aggregate transportation spends (MCC 4111, 4112 and 4784 — local commuter transport, passenger rail and tolls) in a calendar month exceed 50% of the credit limit or ₹25,000, whichever is lower. The charge applies to the entire aggregate transportation spend for the month, not just the excess. IRCTC and select marquee travel partners are excluded, international transactions are out of scope, and AU exempts the ixigo AU co-brand variants entirely. This charge is separate from (and adds to) the April 2026 removal of reward-point earning on transportation MCCs.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ RewardEffective 10 Apr 2026
Transportation spends stop earning rewards
Transportation-category spends earned reward points→No reward points on transportation MCCs
From 10 April 2026 AU stopped awarding reward points on transportation merchant categories (rail, transit, tolls, parking and similar MCCs) across its credit-card portfolio, so Zenith Plus no longer earns points on those specific spends. The same bank-wide notice raised the airport-lounge spend threshold from ₹20,000 to ₹50,000/quarter for AU's spend-gated cards, but Zenith Plus's lounge access is unconditional (no spend gate), so that half of the notice does not affect this card. (Dating note, 2026-08-06: AU's own surfaces carry both 1 April and 10 April 2026 as the effective date of the transportation change, and the bank-wide revision PDF originally cited for it now serves a lounge-only notice at the same URL; both dates are disclosed rather than silently picking one.)
Verification: AU Small Finance Bank ↗ · Confidence: High
2025
- ◆ LaunchEffective 27 Jan 2025
AU Zenith Plus metal card launches
AU Small Finance Bank launched Zenith Plus as a metal premium Visa card at ₹4,999+GST (waived on ₹8 lakh spend) — undercutting the older ₹7,999 Zenith while repositioning around lifestyle privileges: complimentary Taj Epicure membership on ₹12 lakh of anniversary-year spend, unlimited golf, domestic and international lounge access and a ₹5,000 welcome voucher or reward points, alongside a modest up to 2 reward points per ₹100 on dining, travel and international spends.
Verification: AU Small Finance Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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