AU Zenith Plus Credit Card
AU Zenith Plus is the metal card at the top of AU's lineup, and it leads with a welcome kick of ₹5,000 — either as a brand voucher or 5,000 reward points, your choice. Ongoing earning runs at 2 reward points per ₹100 on dining, travel and international purchases, and because AU prices each point at a flat ₹1, that translates directly into a genuine 2% return on those three categories and 1% on everything else. Layered on top: a complimentary Taj Epicure membership once you cross ₹12 lakh of net retail spend in an anniversary year, free golf outings, BookMyShow ticket offers, lounge access with no spend condition attached, and a 1% fuel surcharge waiver capped at ₹1,000. Priced at ₹4,999, it comes in well below the older ₹7,999 Zenith while trading up to a metal card body.
Key features
A quick rundown of what actually makes this card worth carrying.
Welcome Benefit
Roughly ₹5,000 in vouchers, points or cashback when you activate the card
2% on Dining
2 reward points per ₹100 on dining; at AU's published ₹1/point value that's a 2% effective return
2% on Travel
2 reward points per ₹100 on travel; again a 2% effective return at AU's ₹1/point valuation
️ Airport Lounge Access
4 complimentary visits per quarter across domestic and international airport lounges
Annual Fee Waiver
The ₹4,999 + 18% GST (₹5,899 all-in) yearly fee disappears once you spend ₹8,00,000 in a year
Golf Privileges
Up to 8 complimentary golf games or lessons annually (2 per quarter) at select courses, arranged through concierge; a handicap certificate is required
24x7 Concierge
Airport Meet & Assist — full VIP airport check-in support, 4 complimentary uses a year (1 per quarter)
Fuel Surcharge Waiver
1% waiver on fuel purchases, capped at ₹1,000 a month
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2% | — |
| Travel | reward points | 2% | — |
| International | reward points | 2% | — |
| Other | reward points | 1% | — |
Fees & charges
| 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
Beyond the reward points, the extras here add up to roughly ₹41,500 a year.
hotel membership ~ ₹5,000 /yr
Complimentary Taj Epicure membership once you cross ₹12 lakh of net retail spend in a card anniversary year
️ lounge access ~ ₹24,000 /yr
4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter through Priority Pass (16/year) — no spend condition attached
golf ~ ₹4,000 /yr
Up to 8 complimentary golf games or lessons annually (2 per quarter) at select courses, arranged through concierge; a handicap certificate is required
movie ticket ~ ₹2,000 /yr
Up to 16 buy-one-get-one BookMyShow movie/event tickets a year (4 per quarter), with a discount of up to ₹500 per ticket
concierge ~ ₹2,000 /yr
Airport Meet & Assist — full VIP airport check-in support, 4 complimentary uses a year (1 per quarter)
fuel waiver ~ ₹1,500 /yr
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, up to ₹1,000 per cycle
milestone bonus ~ ₹3,000 /yr
1,000 reward points (worth ₹1,000 at ₹1/point) for ₹75,000+ of net retail spend in a statement cycle — repeatable every qualifying cycle. AU leaves out utility, insurance, transportation, rent, education-government, fuel, cash and EMI spends when calculating the milestone
Should you get it?
Best for: Premium lifestyle spenders, Taj / hotel-programme enthusiasts who reach ₹12 lakh annual spend
Premium tier — works reasonably well as a steady all-round performer for consistent monthly spend.
Delivers the most value if a large share of your spend is on Dining ( 2% back).
Regular travellers get extra mileage out of the included airport lounge access.
✓ Pros
- A genuine 2% effective return on dining, travel and international spend, since AU values points at ₹1 each
- Metal card body with a complimentary Taj Epicure membership at high spend
- Free golf, BookMyShow offers and lounge access with no spend condition — add-on cardholders also qualify for domestic lounge visits
- No cash-withdrawal fee, a 1% fuel surcharge waiver up to ₹1,000, and a lower 0.99% forex markup
✕ Cons
- A steep published eligibility requirement — ₹2.5 lakh in monthly net income (AU describes this as indicative)
- The Taj Epicure membership only unlocks after ₹12 lakh of annual spend
- You need to actually use the lifestyle perks to get full value out of the card
Eligibility & documents
Age
21–65 years
Min. income
₹2,50,000 /mo
Employment
Salaried · Self-employed
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
A few different ways to turn your points into something usable.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings through the issuer's rewards portal
🎁 Statement credit / cashback adjustment
🎁 Note that a ₹99 + GST fee applies each time you redeem
What your AU Reward Points are worth
What each point actually converts to, by redemption route — this gap is where most cardholders leave money on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The marquee Taj Epicure perk only unlocks after ₹12 lakh of annual spend, and AU's published eligibility bar is high to begin with (₹2.5 lakh monthly net income, indicative) — if you fall short of the Taj threshold, the case for this card rests on the 2% categories, lounge access, golf, and simply owning a metal card.
The bottom line
This metal card works as both an earner and a privileges card at once. With AU pricing points at ₹1 each, the 2 points per ₹100 on dining, travel and international spend is a genuine 2% return (1% on other categories), while the Taj Epicure membership, golf access and 32 lounge visits a year are what really set it apart. At ₹4,999, it's reasonably priced for a metal card that comes bundled with a hotel-programme tie-in.
Sources & verification
Fees, reward rates, and benefits for the AU Zenith Plus Credit Card come from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
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Frequently asked questions
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