Zenith+ Credit Card
1-2% return on retail spends
Welcome gift vouchers or bonus reward points equivalent to joining fee realization.
CardIntel Score
Objective card quality
CardIntel Score v1.1 measures structural card quality against a fixed ā¹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
1.10% effective benchmark return
High net ROI (>250% or >ā¹10,000 net return)
No monthly or category ceilings
Rewards Catalogue
Domestic (5/5) + Intl (3/3) + Terms (2/2)
3.5% forex markup
Open retail availability
1 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Solid net ownership ROI, unrestricted reward cap headroom and valuable airport lounge access. The score is reduced by the forex markup, restricted redemption options and modest base reward yield.
You need to spend at least ā¹4,09,000 per year (ā¹34,083/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (ā¹6,00,000/yr), effective annual fee, and verified category caps.
CardIntel strictly separates first-year introductory welcome perks from ongoing recurring ROI. Lifetime Free cards show ā¹0 ownership cost rather than infinite percentages.
Rewards and Benefits
Verified privileges, dining perks, reward redemption values, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| š½ļøMovie & Dining | Discounts and partner offers on leading dining apps and movie booking platforms. |
| ā”Rewards Rate | 1-2% return on retail spends |
| š°Reward Redemption | Redeemable for vouchers, merchandise, and air miles via bank rewards portal |
| āļøTravel | Special airfare and hotel partner privileges |
| šļøDomestic Lounge Access | 16 complimentary domestic airport lounge visits per year |
| šInternational Lounge Access | Complimentary Priority Pass / DreamFolks international lounge access |
| ā³Golf | N/A |
| š”ļøInsurance Benefits | Complimentary lost card liability and fraud protection |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
Product Details
Pros & Cons
Zenith+ Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Welcome & Activation Benefit
Cardholders receive bonus welcome points or partner discount vouchers upon card setup and fee realization.
Accelerated Rewards Framework
Earn high multiplier reward returns on target spending categories such as dining, e-commerce, and travel.
Fuel Surcharge Waiver
1% fuel surcharge reversed on eligible transactions between ā¹400 and ā¹4,000 at all fuel pumps across India.
Milestone Spend Reversals
Annual Charges Waived on Spends of ā¹8,00,000 or More
Zenith+ Credit Card Rewards Structure
Transactions made using this card earn reward points redeemable via the bank rewards portal.
Value of CashPoints / Points on Redemption
Comparative monetary conversion rates across cashback, flight tickets, product catalog, and airline miles.
| Redemption Option | Monetary Value (per Point) | Notes |
|---|---|---|
| Statement Credit / Cash Voucher | ā¹0.20 to ā¹0.25 | Direct balance adjustment or popular shopping vouchers |
| Travel Bookings & AirMiles | ā¹0.25 to ā¹0.50 | Flight tickets and hotel reservations via bank portal |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn CashPoints or reward points:
Who Should Choose Zenith+ Credit Card?
Ideal for users seeking dependable returns on daily lifestyle, online shopping, and dining expenses with reliable bank support.
Eligibility Criteria for Zenith+ Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 ā 60 Years | 21 ā 65 Years |
| Income Proof | Minimum ā¹25,000 Per Month | Minimum ā¹3,60,000 Per Annum |
| Credit Score (CIBIL) | 720+ recommended | |
Compare Zenith+ Credit Card With Competing Cards
Side-by-side comparison of rewards, merchant partner rates, monthly caps, and annual fees.
| Feature / Card | Zenith+ Credit Card Current Card | HDFC Millennia Credit Card | Cashback SBI Card |
|---|---|---|---|
| Reward Structure | Reward Points | Cashback (CashPoints) | Direct Statement Cashback |
| Reward Rate at Partner Merchants | Accelerated returns on target categories; 1% base | 5% on 10 partner merchants (Amazon, Flipkart, Swiggy, etc.) | 5% universal cashback on all online shopping |
| Cap on Rewards | Standard monthly ceiling on accelerated points | 1,000 CashPoints on 5% tier per cycle | ā¹5,000 max cashback per billing cycle |
| Additional Benefits | 16 domestic lounge visits/yr | ā¹200 Swiggy Dineout discount twice monthly | Auto-credited to monthly bill with zero redemption fee |
| Annual Fee & Waiver | ā¹4,999 + GST | ā¹1,000 (Waived on ā¹1 Lakh spend) | ā¹999 (Waived on ā¹2 Lakh spend) |
Latest News & Program Updates
Verified policy adjustments, convenience surcharges, and MITC revisions implemented by the issuer:
RBI MITC & Third-Party Payment Updates
Rental transactions processed via payment aggregators are subject to a 1% convenience charge in compliance with updated bank schedules.
Zenith+ Credit Card Editorial Verdict
Zenith+ Credit Card by AU Small Finance Bank is engineered for consumers looking for solid rewards on day-to-day transactions with clear fee recovery milestones.
By maintaining regular monthly spending and paying bills in full before the due date, cardholders can maximize net value while building a robust credit profile.
Ensure timely full payments every month to avoid finance charges of up to 45% APR.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
You can apply online via the official AU Small Finance Bank web portal or mobile app. You will need your PAN, Aadhaar for digital KYC, and salary slips or ITR.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Card Summary
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
All reward percentages, exclusions, and annual fee waiver rules verified directly against bank regulatory filings.
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