Zenith+
Base Rate
1%
Forex Markup
0.99%
Joining Fee
₹4,999
Milestones
3
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹2,601
After ₹4,999 annual fee deduction
Base Rewards
₹6,600
Forex Net
+₹0
Milestones
₹1,000
Milestone Progress
Earn 1,000 bonus reward points (worth ₹1,000) on monthly retail spends of ₹75,000
Spend ₹75K annually
Annual fee of ₹4,999 waived on ₹8L annual spend
Spend ₹8L annually
Complimentary Taj Epicure Membership on achieving annual spends of ₹12L
Spend ₹12L annually
📝 Detailed Review
The CardVault Verdict
The AU Zenith+ Credit Card is a premium metal card that stands out with its ultra-low 0.99% forex markup fee and generous milestone structure, including a Taj Epicure membership on ₹12L annual spend. It also offers up to 16 lounge visits per year. However, it lacks a direct points transfer program to airline miles, and the base reward rate is low. It is best suited for those who spend heavily on international retail and dining, and prefer direct cashback/vouchers over airline redemption strategies.
Who Should Apply?
This card is recommended for high-volume domestic and international spenders who want the status of a metal card, a low forex fee, and direct voucher redemptions. If you are an active airmiles collector, HDFC Infinia or Axis Atlas are better options.
Lounge Access
Unconditional Access
No minimum spend required to unlock lounge visits.
Visits / Year
16visits
Supported Networks
Additional Notes
Up to 16 complimentary domestic and international lounge visits per year (Priority Pass for international).
⚖️ Pros & Cons
✓Pros
- •Very low 0.99% forex markup fee — excellent for international transactions
- •Premium metal card construction at a reasonable price point
- •Up to 16 complimentary domestic and international lounge visits per year
- •Taj Epicure Membership milestone reward on spending ₹12L annually
- •4 complimentary airport Meet and Assist services per year
- •1,000 bonus reward points (worth ₹1,000) on spending ₹75,000 monthly
- •BOGO movie tickets on BookMyShow (up to 16 tickets per year)
✗Cons
- •No direct points transfers to airline or hotel loyalty programs
- •Base reward rate is relatively low at 1.0%
- •No lounge guest access privileges
Historical Changes
Track record of card modifications
Clean Track Record
No devaluations recorded — this card has maintained its value proposition consistently.