AU Small Finance Bank
AU Zenith+ Credit Card
Annual Fee
₹5,899₹4,999 + GSTBase Reward
1% points
Foreign Markup
0.99% of the transaction amount
Welcome Benefits
Luxury Gift Vouchers or Reward Points Worth ₹5,000
Product Highlights
- Luxury brand gift vouchers worth ₹5000 as welcome benefit
- Complimentary Taj Epicure membership on spending ₹12 Lakhs in the year
Category Rewards
dining
2X RP on dining, travel, international
2X
travel
2X RP on dining, travel, international
2X
Specialty
2X RP on dining, travel, international
2X
utilities
1 RP on utility/insurance/education/govt/rent
1X
Specialty
1 RP on utility/insurance/education/govt/rent
1X
Specialty
1 RP on utility/insurance/education/govt/rent
1X
Specialty
1 RP on utility/insurance/education/govt/rent
1X
Specialty
1 RP on utility/insurance/education/govt/rent
1X
Fee Waiver
Renewal fee waiver on spending ₹8 Lakhs in the year
Reward Calculator
Costs you ₹3,619/year
Break-even needs ~₹41,397/month at your reward mix.
₹16K
across all your buckets
2.3K
AU Reward Points
₹2.3K
via standard
Effective rate
1.19%
Annual fee
₹5,899
Year 1 net
₹-3,619
Year 2+ net
₹-3,619
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per month · You spend ≈ ₹50K
1,000 bonus Reward Points
per year · You spend ≈ ₹6L
Taj Epicure complimentary membership
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
1 RP on utility/insurance/education/govt/rent
Headline: 1.00% effective
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
0.99%Charged on every international (non-INR) transaction
Excluded from rewards
cash, emi, fuel, transportation, bbps, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 2 RPs per ₹100 spent on dining, international, and travel spends. Earn 1 RP per ₹100 spent elsewhere.
Benefits & Features
Domestic: 16 complimentary domestic lounge access per annum (Max 4 per quarter) International: 16 complimentary international lounge access per annum (Max 4 per quarter with Priority Pass membership) Full lounge access description
Pros & Cons
Pros
- 2 RPs per ₹100 on dining, international, and travel spends
- 16 complimentary domestic and international lounge access
Cons
- High annual fee of ₹4999 + GST
- Cash advances not eligible for reward points
Additional Info
Important note 1
Note 2
Max reward cap info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹2.5L+
Networks
Fee Waiver
Renewal fee waiver on spending ₹8 Lakhs in the year