Priority Pass
AU Small Finance Bank
Zenith+
The AU Zenith+ is 2026’s ultimate international travel companion, boasting an industry-low 0.99% forex markup.
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Data last updated 28 May 2026.
At a Glance
Annual Fee
₹4,999
Joining Fee
₹4,999
Fee Waiver
Spend ₹8,00,000 annually
Lounge Access
See details
Forex Markup
0.99%
Effective Yield
1% – 3.33%
Our Take
The AU Zenith+ is 2026’s ultimate international travel companion, boasting an industry-low 0.99% forex markup. This metal card delivers a consistent 1% to 2% reward rate with a transparent 1:1 redemption ratio (1 point = ₹1). With 16 domestic and 16 international lounge visits annually, it offers high-end luxury without the "invite-only" barriers of its rivals.As HDFC and Axis tighten their belts, the Zenith+ shines by offering VIP Airport Check-in (4 per year) and a Taj Epicure membership at the ₹12 lakh milestone. An unbiased review must highlight the 2026 "Monthly Milestone" kicker: you earn 1,000 bonus points for spending ₹75,000 in a cycle, effectively pushing your reward rate higher. While it excels in dining and travel (2 points per ₹100), the ₹4,999 fee is strictly non-waivable unless you hit the ₹8 lakh annual spend mark. However, with 16 BOGO movie tickets (up to ₹500 off) and 8 golf rounds, it’s a lifestyle powerhouse that pays for itself even for domestic users.
Pros
Cons
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Travel, Dining & International | 2 Reward Points (RP) per ₹100 | 2.00% | No Upper Cap |
| Other Retail Spends | 1 RP per ₹100 | 1.00% | No Upper Cap |
| Excluded Categories | No Points Earned | 0.0% | — |
| Utility & Telecom, Insurance, Education & Government and Rent. | 1 RP per ₹100 | 1% | 1000 RP/month (combined) |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.8 Lakh | Monthly Milestone1,000 pts | ₹1,000 | Earn 1,000 bonus RP every month upon reaching ₹75k retail spend. |
| ₹8 Lakh | Fee Waiver0 pts | ₹4,999 + GST Savings | Annual fee waived for the next year if annual spends exceed ₹8 Lakhs. |
| ₹12 Lakh | Taj Epicure0 pts | ₹25,000+ Value | Complimentary Taj Epicure membership awarded upon hitting ₹12 Lakhs annual spend. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Brand Vouchers / Flights / Hotels | ₹1.00 per RP1:1 Ratio | Best Value (Extremely flexible; essentially acts as a cash wallet) |
What You Need to Know
The 'Value-Back' Trade-off
The original Zenith gave up to 5%, whereas Zenith+ is capped at 2%.
Impact: Users should only upgrade if they value the metal form and lower forex more than raw points.
Lounge Quarter-Cap
16 International visits are capped at 4 per quarter.
Impact: Cannot 'dump' visits for a single massive group trip; must be spread across the year.
Milestone Exclusions
Fuel, utility, rent, insurance, and govt. payments do NOT count toward the ₹75k monthly target.
Impact: Users must ensure 'pure retail' spend to trigger the 1,000 bonus points.
Priority Pass Charge
Usage of Priority Pass for domestic lounges in India incurs a $27+ fee.
Impact: Users must use the credit card directly for domestic lounges and PP only for International.
Essential Fine Print
Reward Exclusions
Non-Reward Categories: Fuel, Rent payments, Wallet loading, Insurance, Government services, and Education transactions.
Welcome Offer
Welcome Gift
Luxury brand vouchers worth ₹5,000 or 5,000 Reward Points on payment of joining fee.
Lounge Access
Priority PassDomestic Lounge Access
16 complimentary domestic airport lounge visits per year (max 4 per quarter). User needs to spend minimum of ₹50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.
International Lounge Access
16 complimentary international airport lounge visits per year via Priority Pass (max 4 per quarter).
Travel Benefits
Low Forex Markup
Ultra-low foreign currency markup of 0.99% on all international transactions.
Global Concierge
24/7 assistance for travel bookings, restaurant reservations, and lifestyle services.
Dining Benefits
Accelerated Rewards
Earn 2 Reward Points per ₹100 spent on travel, dining, and international spends.
Golf Benefits
Golf Benefits
Enhance your game with up to 8 complimentary golf games or lessons annually (2 per calendar quarter).
Milestone Benefits
Monthly Milestone
1,000 Bonus Reward Points on monthly spends of ₹75,000 or more.
Renewal Fee Waiver
Complimentary renewal fee on annual spends of ₹8 Lakhs or more.
Additional Features
Metal Card
Exclusively crafted premium metal card for elite status.
Zero Lost Card Liability
Zero liability on fraudulent transactions once the loss of card is reported to the bank.
BookMyShow Offer
Enjoy up to 16 complimentary buy-one-get-one movie/event tickets on BookMyShow annually using Zenith+ Credit Card (4 tickets per quarter with discount up to Rs. 500 per ticket).
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹4,999 |
| Annual / Renewal Fee | ₹4,999 |
| Fee Waiver Threshold | Spend ₹8,00,000 annually |
| Forex Markup | 0.99% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age
Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years
Employment
Monthly Net Income of ₹ 2.5 Lakh
Residency
Resident of India
Ready to apply for Zenith+?
Annual fee: ₹4,999 · Waived on ₹8,00,000 spend
Annual fee
₹4,999
1% – 3.33% yield