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AU Zenith+ Credit Card

AU Zenith+ Credit Card is a premium metal card that provides global acceptance, ensuring reliability in both domestic and international transactions. With an interest-free grace period, it allows flexibility in settling outstanding balances without incurring interest charges. It is a competitive addition to the list of premium cards, such as SBI Card Elite and HDFC Regalia Gold. The convenience of contactless payments streamlines transactions, and the option to convert substantial purchases into manageable monthly instalments provides financial flexibility. Beyond its core features, the Zenith+ Metal credit card presents a realm of exclusive benefits, including redeemable reward points. 

It also offers access to Taj Epicure Membership, lowers international fees, provides complimentary golf rounds, concierge services, fuel surcharge waivers, and comprehensive protection coverage, ensuring peace of mind in all your financial dealings.

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Features of the AU Bank Zenith+ Credit Card

The Zenith+ Meta credit card is packed with a range of features that cater to the diverse needs of cardholders. Here are some of the key features of this card:

Global Acceptance 

Use your Zenith Plus Credit Card seamlessly across millions of merchant outlets in India and worldwide. Whether you are shopping online, dining out, or travelling abroad, the card ensures smooth and convenient transactions everywhere. 

Reward Points on Every Spend 

Earn exciting reward points on eligible purchases made using your card. Redeem these points for attractive rewards, including gift vouchers, merchandise, lifestyle benefits, and more. 

Interest-Free Credit Period 

Enjoy an interest-free period on your purchases, giving you greater flexibility to manage your finances and pay your outstanding balance without additional interest charges within the due date. 

Contactless Payment Convenience 

Experience faster and safer transactions with contactless payment technology. Simply tap your card at contactless-enabled POS terminals for quick and secure payments. 

Easy EMI Conversion 

Convert high-value purchases into affordable monthly instalments with the EMI facility. This feature helps you manage expenses better while enjoying financial flexibility. 

Convenient Bill Payments 

Pay utility bills, insurance premiums, mobile recharges, and other recurring expenses effortlessly through online bill payment services using your credit card. 

Advanced Security Features 

Stay protected with enhanced security features such as real-time SMS alerts and transaction monitoring, helping you keep track of your card activity and detect unauthorized usage instantly. 

Loan Against Credit Limit 

Get quick access to funds with a loan against your available credit card limit. This feature offers a convenient financial solution during emergencies or planned expenses without extensive documentation.

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Benefits of AU Bank Zenith+ Credit Card

The Zenith+ Metal credit card offers a host of benefits that enhance the cardholder's experience. Here are some of the key advantages of this card:

Welcome Benefits Worth ₹5,000 

Activate your card and choose from premium luxury brand vouchers or Reward Points worth ₹5,000 as a welcome benefit. 

Accelerated Reward Points 

Earn 2 Reward Points for every ₹100 spent on travel, dining, and international transactions, along with 1 Reward Point for every ₹100 spent on other retail purchases. Each Reward Point carries a value of ₹1, helping you maximize your everyday spending. 

Monthly Milestone Rewards 

Receive 1,000 bonus Reward Points on achieving a minimum retail spend of ₹75,000 within a statement cycle, making your high-value spends even more rewarding. 

Complimentary Taj Epicure Membership 

Unlock exclusive luxury hospitality benefits with a complimentary Taj Epicure Membership on annual net retail spends of ₹12 lakh or more. Enjoy special privileges, dining discounts, and hotel benefits across Taj properties. 

Low Foreign Currency Mark-Up Fee 

Save more on international transactions with a reduced cross-currency mark-up fee of just 0.99%, making the card ideal for frequent international travellers. 

Complimentary Airport Meet & Assist Services 

Enjoy a smoother airport experience with 4 complimentary Meet & Assist Concierge services at airports across India every calendar year. 

International Airport Lounge Access 

Travel comfortably with access to 16 complimentary international airport lounge visits through Priority Pass, limited to 4 visits per calendar quarter. 

Domestic Airport Lounge Access 

Relax before your journey with 16 complimentary domestic airport lounge visits across India. 

Exclusive BookMyShow Offer 

Enjoy entertainment benefits with 16 complimentary Buy-One-Get-One movie or event tickets annually through BookMyShow. Avail discounts of up to ₹500 per ticket, up to 4 times every calendar quarter. 

Complimentary Golf Privileges 

Enhance your lifestyle with up to 8 complimentary golf rounds or golf lessons every calendar year at select golf courses. 

Premium Lifestyle & Convenience Benefits 

Access a host of exclusive privileges, including dedicated concierge services, priority customer support, bonus Reward Points on renewal, fuel surcharge waiver, and extended device protection with warranty coverage. 

Annual Fee Waiver Benefit 

The card comes with an annual membership fee of ₹4,999. However, the fee is waived from the second year onwards when you achieve net retail spends of ₹8 lakh or more in the previous card anniversary year. 

Comprehensive Insurance Protection 

Enjoy enhanced financial security with extensive insurance coverage, including Air Accident Cover, Card Liability Cover, Credit Shield, and Purchase Protection benefits.

Other Benefit Perks for AU Bank Zenith+ Credit Card

Benefit Program

Description

Key Information

More Spends, More Rewards

Earn 2 Reward Points per Rs.100 on travel, dining, and international spends, and 1 Reward Point per Rs.100 on retail spends.

1 Reward Point = Rs.1. Excludes cash, EMI, and fuel transactions.

Lower International Mark-Up Fees

Enjoy a low 0.99% cross-currency foreign mark-up fee on international transactions.

Lowest mark-up fees for international spends.

Annual Membership Fee

Rs.4,999  Plus applicable taxes, waived for 2nd year onwards with Rs.8 Lakhs net retail spends in the previous card anniversary year.

Fee waived if spending requirement is met.

Welcome Benefit

Choose luxury brand vouchers or Rs.5,000 in reward points upon card activation.

Available on card activation.

International Airport Lounge Access

Access to 16 International Airport Lounges using Priority Pass, 4 free visits per quarter.

Additional charges for usage within India.

Taj Epicure Membership

Complimentary membership with Rs.12 Lakh net retail spends in a card anniversary year.

Includes discounts and benefits at Taj hotels.

BookMyShow Offer

Get 16 complimentary (Buy 1 Get 1) movie and event tickets, max discount of Rs.500 per ticket.

Can be availed up to 4 times in a calendar quarter.

Complimentary Golf Games/Lessons

Enjoy up to 8 complimentary golf rounds/lessons per calendar year.

Bookings facilitated through service provider.

Monthly Milestone Benefit

Receive 1,000 Reward Points with a minimum retail spend of Rs.75,000 per statement cycle.

Applicable monthly.

Additional Benefits

Includes dedicated concierge services, bonus Reward Points on card renewal, fuel surcharge waiver, priority customer service, comprehensive protection cover, and a Device Protection Plan.

Customized services, protection coverage, and extended warranty.

Meet & Assist

4 complimentary airport Meet & Assist services in India per year.

Service available at selected airports within India.

Domestic Airport Lounge Access

Access to 16 complimentary Domestic Airport Lounges in India.

Provides relaxation and comfort at domestic airports.

Eligibility of AU Bank Zenith+ Credit Card

The eligibility criteria for the Zenith+ Metal credit card are as follows:

  • Monthly Net Income: A minimum monthly net income of Rs.2.5 Lakhs is required to be eligible for the card.
  • Primary Cardholder Age: The primary cardholder should be between the age of 21 years and 60 years.
  • Add-On Cardholder Age: Add-on cardholders should be over 18 years of age.
  • Resident Indian: The applicant must be a resident Indian to be eligible for the Zenith+ Metal credit card.

Please note that these criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline credit card applications based on their assessment. Meeting these criteria is a good starting point, but other factors, such as credit history and financial stability, may also be considered during the application process.

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Fees and Charges of AU Bank Zenith+ Credit Card

Here is a table summarizing the fees and charges associated with the Zenith+ Metal credit card:

Feature

Details

Joining/Annual Membership Fees per annum

Rs.4,999 (Excluding GST)

Cash Advanced Fee

2.5% of amount withdrawn, subject to a minimum of Rs.100

Fuel Transaction Surcharge

1% fuel surcharge refunded for all transactions (maximum of Rs.1,000 in a statement cycle)

Charges on Revolving Credit

Interest Charges: 1.99% per month (23.88% annually)

Charges in case of Default

Late Payment Charges (Basis credit card bill amount):

  • Less than or equal to Rs.100: Nil
  • Above Rs.100 and up to Rs.500: Rs.100
  • Above Rs.500 and up to Rs.5,000: Rs.500
  • Above Rs.5,000 and up to Rs.10,000: Rs.700
  • Above Rs.10,000 and up to Rs.20,000: Rs.800
  • Above Rs.20,000 and up to Rs.50,000: Rs.900
  • Above Rs.50,000: Rs.1,100

Overlimit Charges

2.5% of overlimit amount, subject to a minimum of Rs.500

Credit Limit

Determined by AU Small Finance Bank at its discretion

Cash Withdrawal Limit

20% of the card limit

Billing Statement Periodicity

Monthly on a pre-determined date

Minimum Amount Due

5% of the total amount due, including full EMIs and previous month outstanding, or a minimum of Rs.100, whichever is higher

Foreign Currency Markup Fee

Currency Markup Charge: 1.99%

Duplicated Physical Statement Request Charges

Rs.100

EMI Conversion Charges

  • Xpress EMI: 1% of the amount being converted to EMI, subject to a minimum of Rs.99 plus GST
  • Instant EMI: Rs.199 plus GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Payment Return Charges

Rs.500 (On Cheque, ECS/NACH, Autopay Return) Charges applicable once for the same instrument of payment

Rent Transaction

1% Processing fee will be levied on rental transaction amount on any applicable merchants from the second rental transaction onwards in a calendar month

How to Apply for the AU Bank Zenith+ Metal Credit Card

  • Visit the official website of AU Small Finance Bank or open the dedicated Zenith+ Metal Credit Card application page
  • Click on the “Apply Now” option to begin the application process
  • Enter your valid 10-digit mobile number
  • Review and accept the credit card’s terms and conditions
  • Verify your mobile number using the OTP received via SMS
  • Enter the OTP in the designated field to complete verification
  • Fill in the required personal, professional, and financial details accurately
  • Upload relevant documents if requested during the application process
  • Review all entered details carefully before submission
  • Submit the credit card application for processing
  • Wait for application review and verification by AU Small Finance Bank
  • Receive application status updates through SMS, email, or phone call
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FAQs on AU Bank Zenith Plus Credit Card

  1. How can I acquire the Taj Epicure Membership with my Zenith Plus Metal credit card?

    On qualification, you are required to follow the instructions provided to claim membership. On doing so, you can acquire a complimentary Taj Epicure Membership by achieving a minimum net retail spend of Rs.12 lakh within a card anniversary year.

  2. What is the Monthly Milestone Benefit, and how does it work?

    The Monthly Milestone Benefit allows you to earn 1,000 Reward Points each month by reaching a minimum retail spend of Rs.75,000 per statement cycle. Certain transaction categories are not considered for the milestone calculation.

  3. How can I access the 16 International Airport Lounges with my Zenith Plus Metal credit card?

    By presenting the card at the lounge for access, cardholders can access 16 International Airport Lounges through Priority Pass.

  4. How can I book the 4 complimentary airport Meet & Assist Concierge services?

    To book these services, you need to contact the concierge desk at either 1800 210 0298 (toll-free) or 022-42320298 and provide your travel details.

  5. What is the Welcome Benefit of the Zenith Plus Metal credit card, and how can I avail it?

    The Welcome Benefit offers eligible cardholders a choice between luxury brand vouchers or reward points worth Rs.5,000 upon card activation. Follow the activation process through AU 0101 Net banking/Mobile App, Chatbot 'AURO,' or by calling 1800 1200 1500. 

  6. What is the Foreign Currency Transaction Fee for international transactions with the Zenith Plus Metal credit card?

    The card offers a low cross-currency foreign mark-up fee of 0.99% on all international transactions.

  7. How can I redeem the reward points earned with my Zenith Plus Metal credit card?

    You can redeem your reward points for various rewards, such as gift vouchers or merchandise, as specified by the bank.

  8. What types of insurance coverage are provided with the Zenith Plus Metal credit card's comprehensive protection?

    The Zenith Plus Metal credit card offers several insurance coverages, including Air Accident Cover of up to Rs.2 Crore, Card Liability Cover of up to Rs.15 Lakhs, Credit Shield of up to Rs.15 Lakhs, Purchase Protection of up to Rs.50,000, and other travel-related covers for situations like baggage delay, flight delays, loss of passport, and plane hijack.

  9. How do I claim insurance benefits provided by the Zenith Plus Metal credit card?

    To claim any of the insurance benefits mentioned, you can contact the AU Small Finance Bank Customer Care number at 1800 1200 1500. They will guide you through the claims process and provide the necessary information and forms for your claim.

  10. What is the complete postal address of the AU SMALL FINANCE BANK credit card Division?

    The complete postal address of AU SMALL FINANCE BANK credit card Division is as follows: AU Centre, 3rd Floor (credit card Department), Sunny Trade Centre, New Atish Market Jaipur, Rajasthan - 302020.

  11. How can I reach the customer care team for the Zenith Plus Metal credit card?

    You can contact the customer care team at 1800 1200 1500 for any card-related inquiries, support, or assistance you may require.

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