AU Small Finance Bank Zenith+ credit card review: fees, rewards and eligibility
The AU Small Finance Bank Zenith+ has a recorded annual fee of ₹4,999 plus GST and a base earn of 1 Reward Point per ₹100 on eligible general spends. CardMasters checked its issuer terms on 2026-08-01. Affiliate commission never changes ranking; confirm final terms and approval with AU Small Finance Bank.
AU Small Finance Bank Zenith+: short answer
The AU Small Finance Bank Zenith+ is in the premium tier of AU Small Finance Bank credit cards, with a joining fee of ₹4,999, an annual fee of ₹4,999 plus GST (waived on ₹8,00,000 of eligible annual spend), a base earn of 1 Reward Point per ₹100 on eligible general spends and a 0.99% forex markup. Rewards are not earned on fuel, rent, education, govt, emi. It suits domestic travel, lounge spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
Reward structure
1 Reward Point per ₹100 on eligible general spends
- 2 Reward Points per ₹100 on Dining, travel and international spends
Eligibility and important limits
minimum age 21, maximum salaried age 60, published monthly income floor ₹2,50,000 Resident Indians. AU publishes ₹2.5 lakh monthly net income and age ranges, but no numeric bureau-score cutoff; the criteria remain indicative and approval is discretionary. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, education, govt, emi, cash advance, quasi cash.
Important limit: Utility and telecom earn 1 Reward Point per ₹100, capped at 100 points per transaction; BBPS transactions earn no rewards.
Frequently asked questions
What is the annual fee for the AU Small Finance Bank Zenith+?
The published annual fee in our current record is ₹4,999 plus applicable GST. It can be waived after ₹8,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the AU Small Finance Bank Zenith+?
1 Reward Point per ₹100 on eligible general spends. Accelerated routes include 2 Reward Points per ₹100 on Dining, travel and international spends. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the AU Small Finance Bank Zenith+?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, education, govt, emi, cash advance, quasi cash. Merchant category coding and issuer terms determine final eligibility.
Who should consider the AU Small Finance Bank Zenith+?
It is most relevant for people focused on domestic travel, lounge. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the AU Small Finance Bank Zenith+ worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹4,999 plus GST each year. The fee is waived at ₹8,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the AU Small Finance Bank Zenith+?
The published minimum age is 21. The published monthly income floor is ₹2,50,000. Resident Indians. AU publishes ₹2.5 lakh monthly net income and age ranges, but no numeric bureau-score cutoff; the criteria remain indicative and approval is discretionary. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the AU Small Finance Bank Zenith+?
The recorded foreign-currency markup is 0.99% before GST. On ₹1,00,000 of international spend that is about ₹990 in markup, so compare it against any rewards earned on overseas transactions.
Does the AU Small Finance Bank Zenith+ offer airport lounge access?
Domestic lounge access: 16 complimentary visits/year, capped at 4/quarter. International lounge access: 16 complimentary Priority Pass visits/year, capped at 4/quarter; Priority Pass use within India is chargeable. Spend conditions and guest charges are set by the issuer and can change.