AU Small Finance Bank Zenith+ Credit Card

Lounge access

• Domestic: Zenith+ Primary and Add-on cardholders eligible for domestic airport lounge access (Zenith+ excluded from spend-based quarterly condition).
• International: 4 complimentary international lounge access per calendar quarter via complimentary Priority Pass membership (Primary and Add-on).
• Beyond complimentary visits, Priority Pass usage charge of USD 35 + taxes applies per visit (also for all domestic and international visits within India).

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Forex markup

0.99% cross currency markup charge on foreign currency / dynamic & static conversion transactions.

Verified · Most Important Terms & Conditions (MITC) with Schedule of Charges · 2026-08-03 · source

Charge

• Charges on revolving credit: 1.99% per month (23.88% annually).
• Cash advance charges: Zero Cash Withdrawal Fees for Zenith+ (else 2.5% of amount withdrawn, min ₹500).
• Overlimit charges: 2.5% of overlimit amount, min ₹500.
• Late payment charges: 15% of Total Amount Due (Min ₹10, Max ₹1300).
• Balance Transfer/BT on EMI processing: 1% of amount, min ₹250.
• Xpress Loan/SMARTLoan: processing 2% of loan amount, pre-closure 3% of balance principal outstanding.
• EMI conversion: Xpress EMI 1% of amount, min ₹99 + GST.
• Instant EMI ₹199 + GST.
• Payment return charges: 2% of total amount due or ₹500, whichever higher.
• Cash processing fee: NIL.
• Reward points redemption fee: ₹99 + GST.
• Card transfer charges: ₹199 + GST.
• Railway ticket purchase fee: as prescribed by Indian Railways/IRCTC.
• Card validation charges (lounges): ₹2.
• Reissue of lost/stolen/damaged card: ₹2500 + Taxes for Zenith+.
• Outstation cheque processing: ₹25.
• Duplicated physical statement request: ₹100.
• GST 18% on all fees, interest & charges.
• Add-on card fee: Lifetime Free (up to 3 per card account).
• Fair usage charges w.e.f. 1st July'26 (fuel) and 14th June'26 (transportation): 1% on aggregate fuel/utility/transportation spends exceeding stated thresholds.
• 1% of transaction value (min ₹99) on third-party education, domestic rental transactions.

Verified · Most Important Terms & Conditions (MITC) with Schedule of Charges · 2026-08-03 · source

Interest-free period

Up to 50 days (not applicable for cash withdrawal).

Verified · Most Important Terms & Conditions (MITC) with Schedule of Charges · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver for transactions between ₹400 to ₹5,000, up to ₹1,000 per statement month (Zenith & Zenith+).
• Waiver capped at 1% of eligible fuel transaction amount, GST not reversed.

Verified · Most Important Terms & Conditions (MITC) with Schedule of Charges · 2026-08-03 · source

Milestone benefit

• Buy 1 Get 1 complimentary Movie & Event tickets on BookMyShow (up to 16 tickets).
• Can be availed a maximum of 4 times in a calendar quarter.
• Maximum discount per ticket booking is ₹500.
• Ongoing benefit valid while card is active.

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Redemption value

Reward Point Redemption fee: ₹99 + GST levied on each successful redemption (also stated as Reward Points Redemption Fee ₹99 + GST).

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Concierge

• 4 complimentary airport Meet & Assist Concierge services in one calendar year (1 per calendar quarter), available at selected airports within India.
• Ongoing benefit on all active cards.
• Baggage assistance of up to 3 bags within complimentary package.

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Golf benefit

• Up to 8 complimentary golf rounds/lessons per calendar year and a maximum of 2 complimentary golf rounds/lessons per calendar quarter.
• Unutilized rounds/lessons not carried forward to next calendar quarter.

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Hotel benefit

• Taj Epicure Membership applicable on completing minimum ₹12 lakh net retail spends in a card anniversary year.
• Benefits include 25% off F&B dine-in & takeaway, 20% off Qmin app orders, 20% off Jiva Spa, 20% off salon services, 20% off F&B banquets, plus exclusive stay vouchers (20% off Best Available Rate at participating hotels / Taj Palaces / Taj Safaris for up to 5 nights).

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Eligibility

• Welcome Benefit is available to primary cardholder only and is applicable only for AU Zenith+ Cardholders who have been issued a paid card.
• Benefit eligible on activation of card and can be availed within two months from card activation date.

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Official terms

https://www.au.bank.in/premium-banking/credit-cards/zenith-plus-credit-card.

Verified · Zenith+ Credit Card product page · 2026-08-03 · source