AU Zenith+ Credit Card
Unlimited lounge access and 2.5% on international — a value play for AU Bank customers.
By Ashutosh · Updated June 2026
AU Zenith+ is positioned as a premium card from a smaller bank, and it delivers on its headline perks: unlimited lounge access worldwide and 2.5% on international spending. For frequent travelers, these two features alone compete with cards costing much more.
Domestically, 1.25% on dining/travel and 0.5% on everything else is underwhelming for a ₹4,999 card. This card makes sense primarily for AU Bank customers who value lounge access and travel internationally. For domestic spending, there are much better options.
AU Bank customers who travel frequently (domestic lounge access unlimited) and make international purchases. The 2.5% on forex spending is competitive with much pricier cards.
You primarily spend domestically. 0.5% base rate on a ₹4,999 card is poor value. HDFC Regalia gives 1.33% with better domestic perks for a similar fee.
5 pts/₹100 dining/travel (1.25%), 10 pts intl (2.5%), 2 pts other (0.5%) · 1pt = ₹0.25
PROS
- Unlimited lounge access
- 2.5% on international spends
- Decent dining/travel rate
CONS
- ₹4,999 fee
- Only 0.5% on general spends
- AU Bank less established
- Airport lounges: Unlimited domestic and international lounge access. No visit caps — use it every time you fly.
- International spending: 2.5% on international transactions is among the best available, matching ICICI Emeralde at a lower fee.
- Dining and travel (domestic): 1.25% on dining and travel is decent though not exceptional.
0.5% on most categories is half of what Axis ACE gives (1.5%) at a lower fee.
0.5% on online purchases. HDFC Millennia gives 5% — ten times the rate.
Zenith+ for lounges and international spending, ACE for all domestic spending (1.5-5%).
View Axis ACE →Is AU Zenith+ worth the ₹4,999 fee?
Only if you use lounge access frequently (10+ times/year) and make international purchases. The domestic rewards alone don't justify the fee.
Can I get the fee waived?
Yes, at ₹8L annual spend (₹67K/month). Achievable but difficult to justify given the low base rate.