AU Small Finance Bank Zenith+ Credit Card
AU Small Finance Bank
Annual / renewal fee
₹4,999 per annum (excluding GST).
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Earn rate
Confirm on the official page
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You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Zenith+ Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹4,999 (excluding GST).
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Annual / renewal fee
₹4,999 per annum (excluding GST).
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Fee waiver
- Annual fee waiver from 2nd year onwards on spending ₹8,00,000 in a year (only retail spends considered).
- 1st year annual fee waiver on spending ₹1,25,000 within first 90 days of card set up.
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Renewal fee
₹4999 (Zenith+ renewal/annual fee).
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Rewards
Redemption value
Reward Point Redemption fee: ₹99 + GST levied on each successful redemption (also stated as Reward Points Redemption Fee ₹99 + GST).
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Travel & lounge
Lounge access
- Domestic: Zenith+ Primary and Add-on cardholders eligible for domestic airport lounge access (Zenith+ excluded from spend-based quarterly condition).
- International: 4 complimentary international lounge access per calendar quarter via complimentary Priority Pass membership (Primary and Add-on).
- Beyond complimentary visits, Priority Pass usage charge of USD 35 + taxes applies per visit (also for all domestic and international visits within India).
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Hotel benefit
- Taj Epicure Membership applicable on completing minimum ₹12 lakh net retail spends in a card anniversary year.
- Benefits include 25% off F&B dine-in & takeaway, 20% off Qmin app orders, 20% off Jiva Spa, 20% off salon services, 20% off F&B banquets, plus exclusive stay vouchers (20% off Best Available Rate at participating hotels / Taj Palaces / Taj Safaris for up to 5 nights).
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Choose from a range of Luxury brand vouchers or Reward Points worth ₹5,000 on card activation (available to primary cardholder only, on activation of a paid Zenith+ card; benefit availed within two months from card activation date).
- If Reward Points chosen, credited within 5 working days of receiving consent.
- Spend threshold: not stated on official source (activation-based).
VerifiedZenith+ Credit Card product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Concierge
- 4 complimentary airport Meet & Assist Concierge services in one calendar year (1 per calendar quarter), available at selected airports within India.
- Ongoing benefit on all active cards.
- Baggage assistance of up to 3 bags within complimentary package.
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Golf benefit
- Up to 8 complimentary golf rounds/lessons per calendar year and a maximum of 2 complimentary golf rounds/lessons per calendar quarter.
- Unutilized rounds/lessons not carried forward to next calendar quarter.
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Milestone benefit
- Buy 1 Get 1 complimentary Movie & Event tickets on BookMyShow (up to 16 tickets).
- Can be availed a maximum of 4 times in a calendar quarter.
- Maximum discount per ticket booking is ₹500.
- Ongoing benefit valid while card is active.
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Eligibility
Eligibility
- Welcome Benefit is available to primary cardholder only and is applicable only for AU Zenith+ Cardholders who have been issued a paid card.
- Benefit eligible on activation of card and can be availed within two months from card activation date.
Verifiedharvested from product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Charges & interest
Forex markup
0.99% cross currency markup charge on foreign currency / dynamic & static conversion transactions.
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Charge
- Charges on revolving credit: 1.99% per month (23.88% annually).
- Cash advance charges: Zero Cash Withdrawal Fees for Zenith+ (else 2.5% of amount withdrawn, min ₹500).
- Overlimit charges: 2.5% of overlimit amount, min ₹500.
- Late payment charges: 15% of Total Amount Due (Min ₹10, Max ₹1300).
- Balance Transfer/BT on EMI processing: 1% of amount, min ₹250.
- Xpress Loan/SMARTLoan: processing 2% of loan amount, pre-closure 3% of balance principal outstanding.
- EMI conversion: Xpress EMI 1% of amount, min ₹99 + GST.
- Instant EMI ₹199 + GST.
- Payment return charges: 2% of total amount due or ₹500, whichever higher.
- Cash processing fee: NIL.
- Reward points redemption fee: ₹99 + GST.
- Card transfer charges: ₹199 + GST.
- Railway ticket purchase fee: as prescribed by Indian Railways/IRCTC.
- Card validation charges (lounges): ₹2.
- Reissue of lost/stolen/damaged card: ₹2500 + Taxes for Zenith+.
- Outstation cheque processing: ₹25.
- Duplicated physical statement request: ₹100.
- GST 18% on all fees, interest & charges.
- Add-on card fee: Lifetime Free (up to 3 per card account).
- Fair usage charges w.e.f. 1st July'26 (fuel) and 14th June'26 (transportation): 1% on aggregate fuel/utility/transportation spends exceeding stated thresholds.
- 1% of transaction value (min ₹99) on third-party education, domestic rental transactions.
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver for transactions between ₹400 to ₹5,000, up to ₹1,000 per statement month (Zenith & Zenith+).
- Waiver capped at 1% of eligible fuel transaction amount, GST not reversed.
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Interest-free period
Up to 50 days (not applicable for cash withdrawal).
VerifiedMost Important Terms & Conditions (MITC) with Schedule of Charges3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Zenith+ Credit Card?
Officially traced: Rs. 4,999 per annum (excluding GST).
harvested from product pageWhat is the joining fee on the Zenith+ Credit Card?
Officially traced: Rs. 4,999 (excluding GST).
harvested from product pageIs the Zenith+ Credit Card annual fee ever waived?
Annual fee waiver from 2nd year onwards on spending Rs. 8,00,000 in a year (only retail spends considered).
Most Important Terms & Conditions (MITC) with Schedule of ChargesWhat lounge access does the Zenith+ Credit Card include?
Domestic: Zenith+ Primary and Add-on cardholders eligible for domestic airport lounge access (Zenith+ excluded from spend-based quarterly condition).
harvested from product pageWhat welcome benefit does the Zenith+ Credit Card offer?
Choose from a range of Luxury brand vouchers or Reward Points worth Rs. 5,000 on card activation (available to primary cardholder only, on activation of a paid Zenith+ card; benefit availed within two months from card activation date).
Zenith+ Credit Card product pageWhat are the transfer ratios for Zenith+ Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card.
VerifiedZenith+ Credit Card product page3 Aug 2026, 4:10 PM ISTAU Small Finance Bank
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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