AU Zenith+ Credit Card: Features & Benefits

Table of Contents

Summary

The AU Zenith+ Credit Card is one of the premium offerings of AU Small Finance Bank, appealing to those who seek luxury, high rewards, and exclusive benefits in their spending. This Credit card has an excellent blend of reward points, cashback, travel rewards, and lifestyle rewards and is ideal for frequent value travelers, shoppers, and diners.

Members get ₹5 of reward points for every ₹100 spent on dining, travel, and abroad transactions and ₹1 of reward points for every ₹100 on other expenditures. The card also provides 8 complimentary domestic and 6 complimentary international airport lounge accesses per year, ensuring that travel is hassle-free.

For fuel purchases, a 1% waiver of surcharge is offered on purchases between ₹400 and ₹5,000, allowing cardholders to save even more. It also offers special discounts at luxury brands, high-end restaurants, and partner merchants, making shopping and dining more rewarding. Coverage for travel insurance, air miles conversion, and secure contactless payments are also offered to customers, which allows them convenience and peace of mind.

Introduction

AU Zenith+ Credit Card is the AU Small Finance Bank’s premium card for those who are fond of luxury and want rewards, privilege, and high-end spending on money. The premium card enhances your lifestyle, travel, and shopping experience through unmissable reward points, cashback, and discounts across categories.

With complimentary airport lounge access, travel insurance, and air miles reward benefits, it guarantees a hassle-free and luxurious flying experience. Contactless payment technology with the current trends is also on offer with the card, hence the transactions are quick and safe. If you are a high-mileage frequent traveler, a high-end shopper, or simply an aficionado of high-end dining, the Zenith+ Credit Card has something for you.

It is an excellent choice for those who would like to spend maximum money while having a high-level financial life. In the next sections, we will elaborate on its features, fees, and qualifications in detail to help you make a well-informed decision.

What is the AU Zenith+ Credit Card?

Zenith+ Credit Card is a high-end credit card provided by AU Small Finance Bank. It suits those people who want exclusive privileges, luxury rewards, and decent rewards for their spending. The card provides advantages such as high reward points, cashback at restaurants and shopping, access to airport lounges for free, travel insurance, etc.

It also features enhanced security and contactless payments that speed up transactions and increase security. As a traveler, consumer, or foodie, the card has great rewards that bring life to a great experience.

How is the design of the AU Zenith+ Credit Card?

The Zenith+ Credit Card has a sophisticated and stylish appearance that embodies luxury and sophistication. The card is presented with a fashionable dark color theme that is sleek and classy, hence giving it an appeal to the eyes. The superior finish gives it a touch of sophistication that suits those who prefer a classy and elegant card in their pocket.

Its design not only makes it look good but also reinforces the high-end benefits it can provide, making it a status symbol of high class and prestige.

What are the benefits of the AU Zenith+ Credit Card?

These are the major benefits along with actual reward points:

Maximum Reward Points – Get 5 reward points per ₹100 dine, travel, and international spending. For remaining spends, earn 1 reward point for every ₹100.

Free Domestic and International Lounge Visits – Get 8 free domestic lounge visits and 6 free international lounge visits a year.

Cashback on Fuel – Get a 1% cash back on fuel surcharge on spends between ₹400 to ₹5,000.

Dining & Shopping Rewards – Receive top-tier rewards and cashback at upscale brands, fine dining restaurants, and merchant partners.

Travel Benefits – Get travel insurance protection and other services like conversion of miles.

Contactless & Safe Payments – Make simple and safe payments using contactless technology.

What are the fees for the AU Zenith+ Credit Card?

Here is a simple Zenith+ Credit Card fee breakup.

Joining Fee	₹4,999 + GST (one-time fee when you get the card).
Annual Fee	₹4,999 = GST per year. This will be waived if you spend 1,00,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Zenith+ Credit Card?

The following are the primary requirements:

You must be between 18 and 70 years old to apply for the AU Zenith+ Credit Card.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs 5 lakhs usually does the job.

A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750.

You must be an Indian resident and have valid address proof within the country.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an AU Zenith+ Credit Card?

The documents that you will have to submit to Get a Zenith+ Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Zenith+ Credit Card be used?

Here is the list of places where you can use it:

With the Zenith+ Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Zenith+ Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Zenith+ Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Zenith+ Credit Card?

The credit amount you can spend is what you are provided with a Zenith+ Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank. For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background. It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an AU Zenith+ Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the AU Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the Zenith+ Credit Card.

Just hover your cursor on the AU Zenith+ Credit Card, followed by selecting ‘Apply Now’ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest AU Bank branch to apply for the Zenith+ Credit Card.

Request for the credit card application form for the Zenith+ Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Zenith+ Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an AU Zenith+ Credit Card in 2025 be right?

Yes, getting a Zenith+ Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

AU Zenith+ Credit Card is a monetary tool that provides numerous facilities and benefits to its users. By using the Zenith+ Credit Card, customers not only gain reward points on their regular spending but also get cashback and discount. Zenith+ Credit Card is especially helpful for online and offline shoppers who shop regularly, as the offers and rewards that come with it can enhance your shopping experience even more.

Another key feature of the Zenith+ Credit Card is its customer-friendly interface. AU Bank’s mobile app helps you track your expenses and get information about reward points. Also, 24/7 customer support is available in case you have any kind of problem so that your problems can be resolved immediately.

By availing AU Zenith+ Credit Card, you can make your life convenient in different areas. Be it an emergency helpline facility during travel or discounts on movie ticket booking, the Zenith+ Credit Card helps you make your experience even better.