AU Bank Zenith+ Credit Card
Joining Fee: ₹4,999 + GST
Renewal Fee: ₹4,999 + GST
Reward Type: Reward Points
Welcome Benefits
Luxury Gift Vouchers or Reward Points: Choose between luxury gift vouchers worth ₹5,000 or 5,000 reward points upon joining.
Redeem via AU 0101 Mobile App/Net Banking, call 1800 1200 1500, or use Chatbot AURO.
Rewards Rate
Earning Rate: 2 reward points (RPs) per ₹200 spent on dining, international, and travel. 1 RP per ₹100 spent on other categories.
Value of Reward Points: 1 RP = ₹1. Cash advances, fuel, and EMI transactions are not eligible for rewards.
Reward Redemption
Redemption Portal: Reward points can be redeemed through the AU Rewardz portal.
Value: Each reward point (RP) is worth ₹1.
You can redeem the points for,
Vouchers: Options include Amazon Pay gift vouchers.
Merchandise: Generally not recommended due to better value in other redemption options.
Mobile/DTH Recharge: Available for reward point redemption.
Travel Bookings: Includes flights, hotels, and bus bookings.
Milestone Benefits
Spend Bonus: 1,000 RPs on spending ₹75,000 or more in a month.
Renewal Benefit: 5,000 RPs on paying the renewal fee from the second year onwards.Movies: Redemption for movie tickets is also available.
Travel Benefits
Domestic Lounge Access: 4 complimentary lounge accesses per quarter (16 annually).
International Lounge Access: 16 complimentary accesses per year with Priority Pass membership.
Taj Epicure Membership: Complimentary on spending ₹12 lakhs annually. Includes discounts at Taj Hotels and Qmin App, spa and salon services, and banquets.
VIP Travel Services: Complimentary meet and greet with end-to-end VIP check-in services up to 4 times per year.
Golf Benefits
Complimentary Golf Lessons: 8 lessons per year, with a maximum of 2 per quarter. Booking required through the concierge.
Movie and Dining Benefits
Movie Tickets: 16 Buy One Get One free movie tickets per annum, with a maximum of 4 per quarter. ₹500 maximum discount per booking via BookMyShow.
Dining Discounts: Up to 30% off at partner restaurants through the Silver Spoon dining program.
Insurance Benefits
Air Accident Cover: Up to ₹2 Crore.
Card Liability Cover: Up to ₹15 Lakhs.
Credit Shield: Up to ₹15 Lakhs.
Purchase Protection: Up to ₹50,000.
Other Covers: Includes baggage delay, flight delay, passport loss, and plane hijack.
Finance & Forex Charges
Interest Rate: 1.99% per month (23.8% per annum).
Foreign Transaction Fee: 0.99% of the transaction amount.
Cash Advance Fee: 2.5% of the transaction amount or a minimum of ₹100.
Summary
The AU Zenith+ Credit Card, priced at ₹4,999 plus GST for both joining and renewal fees, is tailored for frequent travelers, diners, and shoppers. Cardholders earn 2 reward points (RPs) per ₹200 spent on dining, international, and travel purchases, and 1 RP per ₹100 on other expenses. Initial benefits include a choice between luxury gift vouchers worth ₹5,000 or 5,000 reward points. The card offers comprehensive travel perks, including 4 domestic lounge accesses per quarter, 16 international lounge accesses with Priority Pass, and a complimentary Taj Epicure Membership for annual spenders of ₹12 lakhs. Additional advantages include 16 Buy One Get One free movie tickets annually, up to 30% off dining at partner restaurants, and complimentary golf lessons. Insurance covers include up to ₹2 Crore for air accidents and various other protections. The card’s annual fee is waived on spending ₹8 lakhs, with a competitive interest rate of 1.99% per month and a low foreign transaction fee of 0.99%. Overall, the AU Zenith+ Credit Card is a robust option for those seeking premium travel, dining, and shopping rewards.