CardTrail
AU Zenith+ Credit Card credit card
Entry Level

AU Zenith+ Credit Card

AU Small Finance Bank logo AU Small Finance Bank
8.2
CardTrail Score
Very Good
out of 10
💰 Net Value
5.9
🔓 Accessibility
8.4
⚡ Feature Depth
5.5
🏦 Bank Trust
6.5
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

Compare With...

See how AU Zenith+ Credit Card stacks up against top alternatives

HDFC Diners Club Black card
HDFC Diners Club Black
HDFC
9.4
Compare
HDFC Diners Club Metal Edition card
HDFC Diners Club Metal Edition
HDFC
9.3
Compare
Axis Atlas card
Axis Atlas
Axis
9.1
Compare

Want the Full Picture?

Compare the AU Zenith+ Credit Card side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.

Open Comparison Tool Find My Ideal Card

CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.

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

8.2
/ 10

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

Best For

value beginner

Own the AU Zenith+ Credit Card?

Get notified when benefits change, fees are revised, or a better alternative launches. One email, only when it matters.

Related Cards

View all cards
AU Vetta Credit Card card
Super Premium
AU Vetta Credit Card
AU Small Finance Bank
8.9
Score
Fee
₹2,999
Reward
1%
Forex
2.99%
View full review
AU LIT Credit Card card
Premium
AU LIT Credit Card
AU Small Finance Bank
7.9
Score
Fee
Free
Reward
0.25%
Forex
3.49%
View full review
AU Nexus Credit Card card
Entry Level
AU Nexus Credit Card
AU Small Finance Bank
7.0
Score
Fee
Free
Reward
0.5%
Forex
0%
View full review
AU Ixora Credit Card card
Premium
AU Ixora Credit Card
AU Small Finance Bank
7.5
Score
Fee
₹2,999
Reward
1%
Forex
2%
View full review
AU Altura Credit Card card
Entry Level
AU Altura Credit Card
AU Small Finance Bank
6.1
Score
Fee
₹199
Reward
1%
Forex
3.49%
View full review