AU Zenith+
AU Small Finance Bank · Checked 2026-10-09
AU Zenith+ is a paid card focused on travel benefits, dining rewards and airport lounge access, charging ₹4,999 annually before GST.
CardIQ editorial view
Our take
AU Zenith+ is a paid card focused on travel benefits, dining rewards and airport lounge access, charging ₹4,999 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 points per ₹100 on eligible travel, dining and foreign-currency purchases.
- Up to 16 domestic and 16 international lounge visits annually, maximum 4 of each per quarter, subject to access conditions.
Trade-offs to understand
- 1 point per ₹100 on other eligible spending; 1 point = ₹1 redemption value. Certain special categories have point caps.
- Up to 16 domestic and 16 international lounge visits annually, maximum 4 of each per quarter, subject to access conditions.
- 0.99% foreign-currency markup; monthly milestone offers require qualifying retail spending.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2 points per ₹100 on eligible travel, dining and foreign-currency purchases valuable enough to clear the fee. Factor in this condition: 1 point per ₹100 on other eligible spending; 1 point = ₹1 redemption value. Certain special categories have point caps.
Compare before deciding
- SBI Card ELITE — A similarly priced alternative for comparing reward points and airport lounge access.
- UCO Bank SBI Card ELITE — A similarly priced alternative for comparing reward points and airport lounge access.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- 1 point per ₹100 on other eligible spending; 1 point = ₹1 redemption value. Certain special categories have point caps.
- Up to 16 domestic and 16 international lounge visits annually, maximum 4 of each per quarter, subject to access conditions.
- 0.99% foreign-currency markup; monthly milestone offers require qualifying retail spending.