AU Zenith+ Review 2026
Last reviewed:
Quick verdict
AU Small Finance Bank's premium play that punches well above its weight class. The ₹3 Crore travel insurance and worldwide lounge access are impressive features for a small finance bank card. Worth considering if you already bank with AU and want premium benefits without switching to a larger bank.
Pros
- Airport lounge access: 8 domestic + 4 international per year
- Low forex markup of 2.5% + GST on international spends
- Welcome benefit: ₹2,000 voucher on first ₹10,000 spend
Cons
- High annual fee of ₹7,999 + GST — only worth it if you use the benefits
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- Complimentary airport lounge access worldwide
- Travel insurance up to ₹3 Crore
- Concierge services 24/7
- Milestone bonus of ₹10,000 voucher on ₹5L spend
Fees & charges at a glance
| Joining Fee | ₹7,999 + GST |
|---|---|
| Annual Fee | ₹7,999 + GST |
| Rewards | 4.5% value back on select categories |
| Welcome Benefit | ₹2,000 voucher on first ₹10,000 spend |
| Lounge Access | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹2,00,000 - ₹10,00,000 |
| Add-On Card Fee | Free |
| Min Income | ₹50,000/month |
| Network | Visa Signature |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The AU Zenith+ is best suited for premium lifestyle. It is a super premium card on the Visa Signature network, and AU Small Finance Bank generally looks for a minimum income of ₹50,000/month. If your spending matches its reward categories (4.5% value back on select categories), the card can pay for its annual fee of ₹7,999 + GST. If not, a lifetime-free card may give you better net value.
Compare side by side
AU Zenith+: frequently asked questions
What is the annual fee of the AU Zenith+?
The AU Zenith+ has a joining fee of ₹7,999 + GST and an annual fee of ₹7,999 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with AU Small Finance Bank.
What rewards does the AU Zenith+ give?
4.5% value back on select categories. Complimentary airport lounge access worldwide. Travel insurance up to ₹3 Crore.
Does the AU Zenith+ offer airport lounge access?
Yes. The AU Zenith+ offers 8 domestic + 4 international per year. Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with AU Small Finance Bank.
What is the eligibility and minimum income for the AU Zenith+?
AU Small Finance Bank typically requires a minimum income of ₹50,000/month for the AU Zenith+, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the AU Zenith+?
The AU Zenith+ charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the AU Zenith+?
The foreign currency markup on the AU Zenith+ is 2.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the AU Zenith+ to UPI?
No. The AU Zenith+ runs on the Visa Signature network. Only RuPay credit cards can be linked to UPI in India at present.
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