AU Bank Zenith+ Metal Credit Card
AU Small Finance Bank · Visa
Why this card?
- 2% back in reward points on travel, dining and food delivery and international spends; 1% on other spends
- ₹4,999 joining and annual fee; renewal fee waived on ₹8 lakh yearly spend
- 16 domestic and 16 international airport lounge visits a year
- 0.99% forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- AU Small Finance Bank
- Network
- Visa
- Annual Fee
- ₹4,999
- Joining Fee
- ₹4,999
- Reward Type
- points
- Best Reward Rate
- 2% on travel
- Forex Markup
- 0.99%
- Domestic Lounge
- 16/yr
- Min. Monthly Income
- ₹2,50,000
- Rates verified
- 2026-10-06
Our verdict
AU Bank Zenith+ Credit Card is a premium offering from AU Small Finance Bank with 16 domestic and 16 international lounge visits a year, a 0.99% forex markup, and about 2% back as points on travel, dining and international spends (about 1% on everything else). The fee is ₹4,999, waived at ₹8 lakh annual spend, and the minimum income is ₹2.5 lakh a month.
Pros
- 0.99% forex markup is low for a premium card
- 16 domestic lounge visits a year (4 per quarter) is a solid allowance for a card under ₹5,000
- 16 international lounge visits a year as well
- About 2% back as points on travel, dining and international spends covers big discretionary categories for many households
Cons
- AU Small Finance Bank has a smaller brand presence than HDFC, ICICI, or Axis for premium cardholders
- Fee waiver requires ₹8L annual spend — a high bar for a ₹4,999 card
- Utility, telecom, insurance, education, government and rent spends together earn at most 1,000 points a month
- Reward redemption portal is less mature than HDFC SmartBuy or Axis EdgeRewards