AU Zenith+ Credit Card
AU Zenith+: judge the premium benefits against your spending and renewal cost.
By Ash · Issuer source linked September 2026
Check the issuer’s current card terms, availability and eligibility criteria.
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Up to 2 Reward Points/₹100 on dining, travel and international spends; AU lists 1 Reward Point = ₹1 for Zenith+. ₹4,999 annual fee; ₹8L net retail spend waiver from year 2. Utility/telecom earn: 1 point/₹100, maximum 100 points per transaction and 1,000 per statement cycle; total earning ceiling 25,000 points/cycle. BBPS and other excluded transactions do not earn.
For ₹10,000 of eligible dining spending in one modelled cycle, the estimate is ₹200 (2% after the modelled cap). Shared ₹25,000 equivalent earning ceiling per statement cycle. This example excludes merchant offers, redemption fees, annual milestones and transaction-level rounding. Eligibility and excluded transaction types still matter even where no cap is recorded.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: ₹8L net retail spend in previous card anniversary year.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
₹1/point issuer redemption route; total earn limited to 25,000 points per statement cycle. No welcome/milestone benefits included. Per-redemption handling charges and per-₹100 transaction rounding are not subtracted; this is gross reward value, not net savings.
Assumes eligible non-BBPS utility/telecom transactions, each no more than ₹10,000. Earn is capped at 100 points per transaction and 1,000 per statement cycle; a single large payment can earn much less.
Up to 2 Reward Points/₹100 on dining, travel and international spends; AU lists 1 Reward Point = ₹1 for Zenith+. ₹4,999 annual fee; ₹8L net retail spend waiver from year 2. Utility/telecom earn: 1 point/₹100, maximum 100 points per transaction and 1,000 per statement cycle; total earning ceiling 25,000 points/cycle. BBPS and other excluded transactions do not earn.
PROS
- Substantial domestic and international lounge access
- Low 0.99% forex markup
- ₹8L anniversary-year fee waiver
CONS
- ₹4,999 annual fee
- Reward value depends on AU redemption options
- Terms and milestone benefits can change
- Published earn rules: Up to 2 Reward Points/₹100 on dining, travel and international spends; AU lists 1 Reward Point = ₹1 for Zenith+. ₹4,999 annual fee; ₹8L net retail spend waiver from year 2. Utility/telecom earn: 1 point/₹100, maximum 100 points per transaction and 1,000 per statement cycle; total earning ceiling 25,000 points/cycle. BBPS and other excluded transactions do not earn.
- Redemption choice: Up to 2 Reward Points/₹100 on dining, travel and international spends; AU lists 1 Reward Point = ₹1 for Zenith+. ₹4,999 annual fee; ₹8L net retail spend waiver from year 2. Utility/telecom earn: 1 point/₹100, maximum 100 points per transaction and 1,000 per statement cycle; total earning ceiling 25,000 points/cycle. BBPS and other excluded transactions do not earn.
- Renewal decision: Listed annual fee: ₹4,999 before applicable tax. ₹8L net retail spend in previous card anniversary year. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
₹4,999 annual fee. Reward value depends on AU redemption options. Terms and milestone benefits can change
How does AU Zenith+ earn rewards?
Up to 2 Reward Points/₹100 on dining, travel and international spends; AU lists 1 Reward Point = ₹1 for Zenith+. ₹4,999 annual fee; ₹8L net retail spend waiver from year 2. Utility/telecom earn: 1 point/₹100, maximum 100 points per transaction and 1,000 per statement cycle; total earning ceiling 25,000 points/cycle. BBPS and other excluded transactions do not earn.
Are points and cashback the same?
Up to 2 Reward Points/₹100 on dining, travel and international spends; AU lists 1 Reward Point = ₹1 for Zenith+. ₹4,999 annual fee; ₹8L net retail spend waiver from year 2. Utility/telecom earn: 1 point/₹100, maximum 100 points per transaction and 1,000 per statement cycle; total earning ceiling 25,000 points/cycle. BBPS and other excluded transactions do not earn.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. ₹8L net retail spend in previous card anniversary year. Exclude unused vouchers and promotional offers from your baseline.