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AU Zenith+ Credit Card credit card
Entry Level

AU Zenith+ Credit Card

AU Small Finance Bank logo AU Small Finance Bank
8.4
CardTrail Score
Very Good
out of 10
Net Value
10.0
Accessibility
9.0
Feature Depth
7.0
Bank Trust
6.0
How we score →
Compare This Card Full Details
Annual Fee
₹4,999
Spend ₹8L/year
Forex Markup
0.99%
Reward Rate
1%
Up to 3%
Lounge Access
4
domestic | 4 intl

About This Card

AU Zenith+ offers competitive 2% forex at an entry-level price — a differentiator in this segment where most cards charge 3.5%. Good value proposition, limited by AU's smaller brand presence.

Pros & Cons

Pros

  • Zero joining fee
  • 2% forex at entry level is good
  • 3X on dining/grocery
  • 4 domestic lounges

Cons

  • AU Bank limited presence
  • Reward ecosystem developing
  • 1% base rate is average
  • No international lounges

Fee Details

Annual Fee
₹4,999
Joining Fee
₹4,999
Fee Waiver Condition
Spend ₹8L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1%
Max Rate
3%
Currency
Reward Points
Welcome Bonus
Vouchers or Reward Points worth ₹5,000

Lounge Access

Domestic Lounges
4
per quarter
International Lounges
4
per quarter

Key Highlights

  • Zero joining fee
  • 3X on dining and groceries
  • 2% forex — competitive for entry level

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Useful Tools

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Airport Lounge Access
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EMI Cost Calculator
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Reward Point Value
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Credit Utilization
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Quick Summary

Best For
value beginner
Annual Fee ₹4,999
Base Reward 1%
Max Reward 3%
Forex Markup 0.99%
Network Visa
Min Income ₹3L+
Compare This Card

CardTrail Score

8.4
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

value beginner

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