Luxury travel & premium rewards

Zenith+ Credit Card

AU Small Finance Bank★★★★★4.7Findisha Rating

✦Zenith+ reward points; AU states 1 RP = ₹1 redemption valueRewards ◎0.99%Forex Markup ◈Premium vouchers/partner benefits rather than general cashbackCashback

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KEY BENEFITS

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RewardsZenith+ reward points; AU states 1 RP = ₹1 redemption value

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CashbackPremium vouchers/partner benefits rather than general cashback

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Forex Markup0.99%

REWARDS STRUCTURE

How you earn

Online Shopping1% value-back

Travel1% value-back

Dining1% value-back

Grocery1% value-back

UPI1% value-back

Other Spends1% value-back

Reward RateZenith+ reward points; AU states 1 RP = ₹1 redemption value

Headline CashbackPremium vouchers/partner benefits rather than general cashback

Reward Point Value₹1/RP

Reward/Cashback Cap25,000 RP/statement cycle on Rent/Education/Govt/Insurance/Utility/Telecom

Milestones₹8L annual fee waiver; monthly bonus reward points

FEES & CHARGES

Cost of the card

Joining Fee₹4,999

Annual / Renewal Fee₹4,999

Fee Waiver₹8,00,000 annual spend

Finance Charge / APRUp to 48 days interest-free period, subject to payment and billing terms

Cash Advance2.5% or ₹500, whichever is higher; Zenith+ and Traverse have zero cash withdrawal fee per current schedule

Foreign Currency Markup0.99%

Fuel Benefit1% up to ₹1,000/statement cycle

KEY BENEFITS & FEATURES

What you get

✓ Premium travel/lifestyle benefits; low 0.99% forex; reward-point program

ELIGIBILITY & DOCUMENTS

Who can apply?

EligibilityMonthly net income ₹2.5 lakh; salaried 21–60 or self-employed 25–65; add-on 18+; resident Indian; final approval by AU.

Suggested Credit Score21+ salaried / 25+ self-employed; resident Indian

IMPORTANT INFORMATION

Terms & extra benefits

Exclusions & Caps

Category caps apply; no RP on EMI, fuel, cash withdrawal and other excluded transactions.

FINDISHA VALUE CALCULATOR

What could this card be worth to you?

Enter typical monthly spending. This is an estimate based on the rates stored in the card profile and does not guarantee actual rewards.

Online ShoppingTravelDiningFuelGroceryUPIOther

Estimated yearly rewards₹0

Effective value-back0%

Estimated net value after annual fee₹0

Last verified: 2026-08-30 · Verify current issuer terms before applying.

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Zenith+ Credit CardAU Small Finance Bank Visa

Zenith+ reward points; AU states 1 RP = ₹1 redemption valueRewards

0.99%Forex

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