Cards / AU Small Finance

AU Small FinanceZenith+Visa / RuPay

Zenith+ Credit Card

AU Small Finance Bank · Super premium

Reviewed by Chandan Kumar Dash

2 reward points per ₹100 on travel, dining and international spends; 1 per ₹100 on all other categories.

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Joining fee

₹4,999

Annual fee

₹4,999

Waiver spend

₹8,00,000

Forex markup

0.99%

Fee waiver

Spend ₹8,00,000 in a card year and the next annual fee is waived.

That is about ₹66,667 a month.

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How the app counts rewards

• 1 point per ₹100 on utility and telecom (max 1,000 points a cycle)
• 1 point per ₹100 on insurance (max 1,000 points a cycle)
• 1 point per ₹100 on rent (max 1,000 points a cycle)
• 1 point per ₹100 on education and government (max 1,000 points a cycle)
• 2 points per ₹100 on travel, dining and international spends
• 1 point per ₹100 on other spends

No rewards on fuel.

Airport lounges

• Domestic: 4 visits a quarter
• International: 4 visits a quarter

International via Priority Pass

Points

Reward Points, worth about ₹1 each on the usual redemption. Expire after 2 years.

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Who can apply

• Age 21 to 65
• Salaried: income of ₹30,00,000 a year or more
• Self-employed: income of ₹30,00,000 a year or more

Resident Indian. Net income ₹2.5 lakh a month. Salaried 21 to 60 years; self-employed 25 to 65 years

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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