AU Small Finance Bank Zenith+ Credit Card

Annual feeJoining feeRenewal fee

₹4,999 + GSTRs.4,999 + applicable taxes; waived from the 2nd year on Rs.8 Lakhs net retail spends in the previous card anniversary year

Fee waiver rule

Conditions for Zenith⁺Annual Membership Fee waiver: For 2nd year onwards fee waiver:₹8 Lakhs net retail spends done in previous card anniversary year.

Add-on card fee

Add-on Cards at no extra cost.

Welcome benefit

Brand Voucher worth ₹5,000 or 5000 Reward Points, you can choose either of them; upon card activation, redeemable as a luxury brand voucher or equivalent Reward Points, automatically credited post card activation.

Reward rate

2 Reward Points per ₹100 spent on travel, dining and international spends; 1 Reward Point per ₹100 spent across all merchant categories; 1 Reward Point = ₹1.

Reward earning on dining spends

2 Reward Points per ₹100 spent on dining.

Reward earning on international spends

2 Reward Points per ₹100 on international spends.

Travel earning

2 Reward Points per ₹100 spent on travel.

Reward exclusions

Cash, EMI, Fuel, Transportation, BBPS & Quasi Cash transactions will not be eligible for Reward Points.

Reward caps

Cardholders will earn a maximum of 1000 Reward Points on following spend categories: Utility & Telecom, Insurance, Education & Government and Rent

What one reward unit is worth

Value of 1 Reward Point is ₹1.

International lounge access

16 complimentary international airport lounge access annually (4 per quarter) using your Priority Pass.

Domestic lounge access

16 complimentary domestic lounge accesses annually (4 per quarter) with your AU Zenith+ Credit Card.

Priority Pass

16 complimentary international airport lounge access annually (4 per quarter) using your Priority Pass; usage of Priority Pass within India is chargeable

Hotel or travel programme

End-to-end airport VIP check-in with 4 complimentary services annually (1 per quarter)

Golf

Up to 8 complimentary golf games or lessons annually (2 per calendar quarter)

Concierge

24x7 Global Concierge Assistance

Milestone benefits

1,000 Reward Points (1 Reward Point = ₹1) on a minimum retail spend of ₹75,000 per statement cycle; Complimentary Taj Epicure Membership on minimum net retail spends of ₹12 Lakh in a card anniversary year

Movie or entertainment ticket benefit

Up to 16 complimentary buy-one-get-one movie/event tickets on BookMyShow annually (4 tickets per quarter with discount up to ₹500 per ticket)

Fuel surcharge waiver

1% Fuel Surcharge Waiver (up to ₹1000) for transactions between ₹400 and ₹5,000 at all fuel stations across the country

Air accident cover

Air accident cover: Up to ₹2 cr

Credit shield cover

Credit shield & Card Liability: Up to ₹15 lakhs

Lost card liability

Zero liability on fraudulent transactions done on your lost card after you report the card loss to the bank.

Purchase protection

Purchase protection cover: Up to ₹50,000

Travel insurance

Travel Cover on baggage delay, delay in flight, loss of passport and plane hijack.

Add-on card eligibility

Add-on cardholder should be over 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 billed or unbilled transactions together for conversion

Forex markup

0.99% on foreign currency transactions.

Cash advance fee

Zero cash withdrawal fees

Interest on unpaid balance

1.99% per month (23.88% annually)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

Overlimit Charges: Overlimit Charges 2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

International Education transactions. 1% of transaction value, subject to minimum of ₹99 per transaction No charges Applicable on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

International rental transactions. 1% of transaction value, subject to minimum of ₹99 per transaction No charges Domestic rental transactions

Utility transaction fee

If aggregate Utility spends, within a calendar month, is less than: ₹50,000 1% charge on aggregate utility

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Age the primary cardholder must be

Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years.

Eligibility

Monthly net income of ₹2.5 lakh; Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years; Resident Indian.