Zenith+ Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: AU Small Finance Bank
Network: Visa | Tier: Premium
Unlimited lounge access, 10 RP per ₹100 on dining/travel/international, low 0.99% forex markup
Why Choose the Zenith+ Credit Card?
The Zenith+ Credit Card is a Premium-tier Visa credit card issued by AU Small Finance Bank, rated 4.7/5 by the Credit Card Hunt editorial team. It is best suited for Frequent international travelers and luxury diners. With a reward rate of 10 Reward Points per ₹100 spent on dining, travel, and international transactions (1 RP = ₹0.25). 2 points per ₹100 spent on other retail. and an annual fee of ₹4,999, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with ₹5,000 value brand vouchers (Taj, Luxe, etc.) upon payment of joining fee, which adds immediate value in the first year and helps recover the ₹4,999 joining fee.
Zenith+ Credit Card Fees & Charges
| Annual Fee | ₹4,999 |
|---|---|
| Joining Fee | ₹4,999 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 0.99% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver |
Zenith+ Credit Card Rewards & Benefits
| Reward Rate | 10 Reward Points per ₹100 spent on dining, travel, and international transactions (1 RP = ₹0.25). 2 points per ₹100 spent on other retail. |
|---|---|
| Welcome Bonus | ₹5,000 value brand vouchers (Taj, Luxe, etc.) upon payment of joining fee |
| Lounge Access | Unlimited complimentary domestic and international airport lounge access (via Priority Pass) for primary cardholders |
| Best For | Frequent international travelers and luxury diners |
Key Highlights of the Zenith+ Credit Card
- Unlimited lounge access, 10 RP per ₹100 on dining/travel/international, low 0.99% forex markup
- 10 Reward Points per ₹100 spent on dining, travel, and international transactions (1 RP = ₹0.25). 2 points per ₹100 spent on other retail.
- Unlimited complimentary domestic and international airport lounge access (via Priority Pass) for primary cardholders
- Credit shield cover up to ₹2 Lakh, comprehensive travel insurance
- Bonus reward points on reaching annual spend milestones
Zenith+ Credit Card Eligibility Criteria
- Age: 21-60 years years
- CIBIL score: 750+
- Minimum income: ₹18,00,000/year
Minimum Income Required: ₹18,00,000/year
Advantages of the Zenith+ Credit Card
- Unlimited domestic
- international lounge access
- low forex markup (0.99%)
- high welcome voucher value matching the fee
Drawbacks of the Zenith+ Credit Card
- High annual fee of ₹4
- 999
- strict eligibility
- invite criteria
Zenith+ Credit Card — Frequently Asked Questions
What is the annual fee of the Zenith+ Credit Card?
The Zenith+ Credit Card has an annual fee of ₹4,999 and a joining fee of ₹4,999. New cardholders receive ₹5,000 value brand vouchers (Taj, Luxe, etc.) upon payment of joining fee as a welcome benefit, which helps offset the joining cost.
Does the Zenith+ Credit Card offer airport lounge access?
Yes — the Zenith+ Credit Card offers Unlimited complimentary domestic and international airport lounge access (via Priority Pass) for primary cardholders.
Who is eligible for the Zenith+ Credit Card?
The minimum income requirement is ₹18,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Zenith+ Credit Card?
The Zenith+ Credit Card earns 10 Reward Points per ₹100 spent on dining, travel, and international transactions (1 RP = ₹0.25). 2 points per ₹100 spent on other retail.. It is best suited for Frequent international travelers and luxury diners.
Credit Cards Similar to the Zenith+ Credit Card
If you are considering the Zenith+ Credit Card, these super premium credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
Expert Rating: 4.7/5