AU Bank Zenith Credit Card
Joining Fee: ₹7,999 + GST
Renewal Fee: ₹7,999 + GST
Reward Type: Reward Points
Welcome Benefits
Joining Vouchers: Receive ₹1,000 worth of shopping vouchers after the first POS transaction.
Bonus Reward Points: Earn 10,000 bonus reward points upon spending ₹1 lakh within the first 60 days of card activation.
Rewards Rate
Dining: 20 Reward Points (RPs) per ₹100 spent at standalone restaurants (5% reward rate).
International and Grocery/Departmental Stores: 10 RPs per ₹100 spent (2.5% reward rate).
Other Purchases: 5 RPs per ₹100 spent (1.25% reward rate).
Insurance & Telecom: 1 RP per ₹100 spent. Maximum 100 RPs per transaction with a cap of ₹10,000 per transaction.
No Rewards: On fuel purchases, rent, education, and government transactions.
Cap: Maximum of 25,000 points can be earned in a statement cycle.
Reward Redemption
Portal: Redeem points on the AU Rewardz portal.
Value: Each RP is worth ₹0.25.
Options: E-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings.
Milestone Benefits
Quarterly: ₹1,000 shopping vouchers for spending ₹2 lakh quarterly.
Annual: Complimentary Taj Epicure membership on spending ₹8 lakh annually.
Fee Waiver & Birthday Benefits
Joining Fee: Waived for spending ₹1.25 lakh within 90 days of activation.
Annual Fee: Waived for spending ₹5 lakh in the previous year.
Bonus Reward Points: 2,500 RPs for making one successful retail purchase on your birthday.
Travel Benefits
Domestic Lounge Access: 2 complimentary lounge visits per quarter.
International Lounge Access: 2 visits per quarter with Priority Pass membership.
Railway Lounge Access: 2 complimentary accesses per quarter at select IRCTC lounges.
Insurance Benefits
Air Accident Cover: Up to ₹2 crore.
Credit Shield: Up to ₹5 lakh.
Purchase Protection: Up to ₹50,000.
Additional Covers: Includes baggage loss, flight delay, passport loss, and plane hijack. For claims, contact AU Bank customer care at 1800 1200 1500.
Concierge Services
24x7 Assistance: Global concierge services available for flight or hotel bookings, golf sessions, and dining.
Contact: Call 1800 210 0298 (toll-free) or 022-42320298 for assistance.
Forex Mark-Up
Fee: Lower rate of 1.99% compared to the standard 3.5% for most other cards.
Summary
The AU Zenith+ Credit Card offers a range of attractive benefits, starting with ₹1,000 in shopping vouchers after the first POS transaction and 10,000 bonus reward points for spending ₹1 lakh within the first 60 days. Cardholders earn 20 reward points per ₹100 spent on dining at standalone restaurants, 10 points on international and grocery store purchases, and 5 points on other categories. However, no rewards are given for fuel, rent, education, or government transactions. Points can be redeemed on the AU Rewardz portal for various options, with each point valued at ₹0.25. Milestone benefits include quarterly shopping vouchers and an annual Taj Epicure membership for high spenders. Fee waivers are available for meeting specific spending thresholds, and additional travel benefits include complimentary domestic, international, and railway lounge access. The card also provides extensive insurance coverage, including up to ₹2 crore in air accident cover, and 24/7 global concierge services. The foreign currency mark-up fee is competitively low at 1.99%.