AU Zenith+ Credit Card
AU Small Finance Bank
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
travel | 0.5% | No cap |
dining | 0.5% | No cap |
| All other spends | 0.25% | No cap |
Redemption fee: 99
Managed via AU Rewardz
Transfer partners
Live Offers
176 activeTJAU15Till 31 DecAU10KTill 31 DecBenefits
Lounge Access
2 domestic visits/quarter
2 international visits/quarter
Complimentary domestic and international lounge access.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Annual Benefit
Complimentary golf.
Taj Epicure membership at ₹12 lakh of annual spend.
There is no flat renewal benefit. Recurring value sits in the fee waiver and in any milestones recorded in the milestones array.
Milestone Benefits
Not every spend counts toward these targets — see what is excluded.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹4,999/yr |
| Renewal Fee | ₹4,999/yr |
| Fee Waiver | Spend ₹8,00,000/year |
| Forex Markup | 0.99% |
| Interest Rate | 23.88% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 99 |
Spends That Don’t Count
AU leaves these categories out when totalling your spend. They still earn rewards where the card pays on them — they just do not move you toward the target below.
Excluded from milestone spends
Toward the milestone targets above
- EducationCollege fees, School fees
- Everything elseRent, Tax and government fees
- Getting aroundCity bus, FASTag and tolls, Fuel, Metro
- InsuranceHealth, Motor, Other cover
- TravelBuses, Trains
- UtilitiesBroadband, DTH or cable, Electricity, Mobile recharge, Piped gas, Water
