AU Small Finance Bank Zenith+ Credit Card

Good fit for frequent travelers who value lounge access and low forex — ₹4,999 annual fee.

Top reasons to choose this card

8 complimentary lounge visits
₹8L fee waiver
Low 0.99% forex markup

What you'd do with it

Helpful for international spending because forex markup is kept to 1%.
Useful for travelers who need around 8 domestic lounge visits a year.

Good for travel 1% forex · 2 per quarter lounge
Low forex 1% forex markup
Strong lounge access 8 railway lounge visits per year (max 2/quarter)
Moderate rewards 3 pts / ₹100 on General spend

Suggested comparison Similar lounge profile Compare with RBL Bank World Safari →

Choose another card to compare →

Annual fee ₹4,999 per year

Forex markup 0.99% low

Lounge access 2 per quarter

Rewards / ₹100 3 pts ₹100

The catch Verify guest/add-on access and current airport lounge list before relying on lounge access.

Welcome benefit timing may vary
Fee waiver available
Welcome benefit listed
Annual fee known
Forex markup known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹4,999 higher than 86 of 112 cards
Joining fee: ₹4,999
Forex markup: 0.99% lower than 98 of 111 cards
Lounge access: 2 per quarter domestic lounge · 2 per quarter international
Reward rate: 3 pts / ₹100

Good fit for

Good for travel
Low forex
Strong lounge access

Still worth it?

Evidence-backed snapshot

Good fit if

Fee waiver applies at ₹8,00,000 annual spend.
Forex markup is low at 0.99%.
2 per quarter domestic lounge

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
2 per quarter domestic lounge
Verify current lounge list
Airport lounge list may change
Welcome benefit listed
Welcome benefit timing may vary

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward exclusions, caps, redemption value, and voucher timelines.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with RBL Bank World Safari Similar lounge profile Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 0.99%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies at ₹8,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: Choice. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: Unknown Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹8,00,000yearAnnual fee waiverextremestrong

Watch outs

Before choosing this card

Fee waiver requires ₹8,00,000 annual spend.

Reward reality

Point value · limits · exclusions

Point valueNot published by issuer — varies by redemption

Reward rules

Structured earn rates · eligibility · caps when they bind

General spend3 pts / ₹100——

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~1,500 pts/month (base earn · uses base/general earn rate)
Fee waiver unlikely at this spend
Forex cost ~₹500 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter — via AU Small Finance Bank lounge programme

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) (opens in new tab)
Issuer Official
Operator config (Au Zenith Plus Domestic Quarterly)
Operator config (Au Zenith Plus International Quarterly)
Railway (cardholder): 8 railway lounge visits per year (max 2/quarter)

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) (opens in new tab)
Issuer Official
Operator config (Au Zenith Plus Domestic Quarterly)
Operator config (Au Zenith Plus International Quarterly)
International (cardholder): 2 per quarter — via Priority Pass Requires Priority Pass card

3 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verified manually) (opens in new tab)
Issuer Official
Operator config (Au Zenith Plus Domestic Quarterly)
Operator config (Au Zenith Plus International Quarterly)
AU credit card MITC / Schedule of Charges: AU credit card MITC / Schedule of Charges
AU Zenith+ official product page: AU Zenith+ official product page

Rewards

Points per ₹100: 3 pts value depends on redemption

Fees & charges

Fees

Monthly interest rate: 2.99% / month
Annual fee: ₹4,999
Joining fee: ₹4,999 · verified 7 Jul 2026
Fee waiver spend: ₹8,00,000 · verified 7 Jul 2026 Above catalog median waiver (₹2,00,000 vs ₹8,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026