AU Small Finance Bank

AU Zenith Plus Credit Card

This is an invite only card

Apply and get ₹1000 Rewards

Top Benefits

Get up to 16 Buy-1-Get-1 Movie/Event Tickets on BookMyShow

per year up to 4 BOGO tickets per quarter, capped at ₹500 discount per ticket

Get 8 Complimentary Golf Games or Lessons per year

up to 2 per calendar quarter, bookable via concierge

Best For

Shopping

Dining

Travel

The AU Zenith Plus Credit Card is AU Small Finance Bank's flagship premium product, positioned to com...

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The AU Zenith Plus Credit Card is AU Small Finance Bank's flagship premium product, positioned to compete with cards like the HDFC Infinia, ICICI Emeralde Private, and Axis Magnus for the heavy-spender segment in India. Issued on the Visa Infinite network, it carries a ₹4,999 joining fee and ₹4,999 annual fee, with the annual fee waivable on annual spends of ₹8 lakh or more.

What makes this card stand out is the rare 1 reward point = ₹1 redemption rate, which delivers among the best point values in the entire Indian credit card market. Combined with 2 points per ₹100 on travel, dining, and international spends, this works out to a clean 2% effective return with no conversion gymnastics. Most premium cards force you through complex partner transfers or voucher catalogues to extract this level of value.

The card requires a minimum annual income of ₹30 LPA for both salaried and self-employed applicants, which is one of the higher thresholds among Indian premium cards. The CIBIL score requirement is 720 or above. Age limits are 21 to 60 years for salaried applicants and 25 to 65 years for self-employed individuals, slightly more accommodating for senior professionals on the self-employed track.

Travel benefits are exceptional: 16 complimentary domestic airport lounge visits per year, 16 complimentary international lounge visits via Priority Pass, and 4 VIP Meet & Assist services bookable through the concierge. This is one of the highest lounge access counts in the Indian premium card market, comparable only to the HDFC Infinia and ICICI Emeralde Private.

Other premium perks include 16 buy-one-get-one movie tickets on BookMyShow per year (capped at ₹500 per ticket), 8 complimentary golf sessions, a 0.99% forex markup (with 3.5% applicable on amounts exceeding ₹4 lakh per month overflow), and complimentary Taj Epicure membership on ₹12 lakh annual spend. The insurance package includes air accident cover up to ₹2 crore and credit shield up to ₹15 lakh.

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Commonly Asked Questions

Q. What is the joining fee for the AU Zenith Plus Credit Card?

A. The joining fee is ₹4,999 plus applicable GST, charged at the time of card issuance. It is offset by a welcome brand voucher worth ₹5,000 or 5,000 reward points.

Q. Can the annual fee be waived?

A. Yes, the ₹4,999 annual fee is waived on annual spends of ₹8 lakh or more in the previous card anniversary year.

Q. What is the redemption value of reward points?

A. The redemption rate is 1 reward point = ₹1, which is among the best point values in the Indian credit card market. This delivers a clean 2% return on travel, dining, and international spends.

Expert Review

The AU Zenith Plus is one of the most underrated premium cards in the Indian market. It delivers Infinia-tier benefits at less than half the fee, with the additional advantage of a market-leading 0.99% forex markup and a clean 1 point = ₹1 redemption structure.

For users in the ₹8 to ₹15 lakh annual spend range, the Zenith Plus is more economically efficient than the HDFC Infinia or ICICI Emeralde Private. At ₹8 lakh spend, you get a free annual fee, 16,000+ reward points (₹16,000 value), and full lounge access. Against a zero net fee, this translates to a 2%+ effective return plus premium experiential benefits.

The 0.99% forex markup is genuinely best-in-market. For users who travel internationally 2-3 times per year, this can save ₹10,000 to ₹30,000 annually in forex fees compared to the Infinia or Magnus.

The card has limitations. The 16 + 16 lounge counts, while generous, are not unlimited like the top-tier cards. The Taj Epicure benefit requires ₹12 lakh annual spend, which is a hard threshold. AU Small Finance Bank also has a smaller branch network compared to HDFC or ICICI, which can affect service quality.

Our recommendation: get this card if you spend ₹8 to ₹15 lakh annually with significant international transactions, or if you prefer simpler reward redemption over complex partner ecosystems. For top-tier spenders (₹20 lakh+), the HDFC Infinia remains the gold standard. For everyone in between, the Zenith Plus delivers exceptional value at a meaningful fee discount.

Joining / Annual Fee

Joining Fees

₹5,899 ( ₹4999 + GST )

logo Brand voucher worth ₹5,000 or 5,000 reward points on card issuance.

Annual Fees

₹5,899 ( ₹4999 + GST )

logo The annual fee is waived if you spend ₹800000 or more in a year on your card, as per bank policy.

The AU Zenith Plus Credit Card has a ₹4,999 joining fee charged at the time of card issuance, plus ap...

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The AU Zenith Plus Credit Card has a ₹4,999 joining fee charged at the time of card issuance, plus applicable GST. The joining fee is offset by a welcome benefit of a brand voucher worth ₹5,000 or 5,000 reward points, effectively making the first year free.

The annual fee is also ₹4,999 plus applicable GST from year two onwards. The fee is waivable on annual spends of ₹8 lakh or more in the previous card anniversary year, which works out to about ₹66,000 per month. For a target audience earning ₹30 LPA, this is a reasonable threshold that most users can hit if they consolidate spending onto the card.

GST at 18% applies to both fees, so the total first-year cost is ₹5,899 (₹4,999 + ₹900 GST), fully offset by the welcome voucher. The annual fee from year two, if not waived, is also ₹5,899.

The card structure makes economic sense for users who can hit ₹8 lakh annual spends, where the fee effectively becomes zero. At ₹8 lakh spend, you also earn 16,000 base reward points (₹16,000 value) plus possible bonus retail points (₹1,000 monthly bonus), bringing total annual rewards to ₹28,000+ against a zero net fee.

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Commonly Asked Questions

Q. What is the joining fee for this card?

A. The joining fee is ₹4,999 plus 18% GST, totalling ₹5,899 at the time of card issuance. It is offset by a welcome voucher worth ₹5,000.

Q. How can the annual fee be waived?

A. The annual fee is waived on annual spends of ₹8 lakh or more in the previous card anniversary year, which works out to about ₹66,000 per month.

Q. Is the joining fee really offset?

A. Yes, the welcome benefit of a ₹5,000 brand voucher or 5,000 reward points (at 1 point = ₹1) fully offsets the joining fee.

Q. Is GST charged on the joining and annual fees?

A. Yes, 18% GST applies to both the joining fee and the annual fee, making the total cost ₹5,899 per year.

Eligibility

Age
Criteria*

21-60 years

Salary
Criteria*

30LPA

Credit
Rating*

720+

New to credit
allowed

Yes

Existing Bank
Customer Allowed

Yes

The AU Zenith Plus has firmer eligibility requirements reflecting its position as a high-end premium ...

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The AU Zenith Plus has firmer eligibility requirements reflecting its position as a high-end premium card. Applicants must be between 21 and 60 years of age for salaried profiles, and 25 to 65 years for self-employed profiles.

The minimum annual income requirement is ₹30 LPA for both salaried and self-employed applicants. This translates to about ₹2,50,000 per month, placing this card among the higher income-threshold products in the Indian market. Self-employed applicants need to validate this through ITR filings of the last two years.

A CIBIL score of 720 or above is required. AU Small Finance Bank also considers overall credit behaviour, payment history on existing loans and cards, credit utilisation, and recent inquiries. Applicants with multiple recent applications or unsecured debt above their income may face decline.

You must be a resident Indian citizen with a valid PAN, Aadhaar, and address proof. The card is primarily available in major metros and tier-1 cities where AU Small Finance Bank has a presence, including Mumbai, Delhi, Bangalore, Pune, Hyderabad, Chennai, and Kolkata.

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Commonly Asked Questions

Q. What is the minimum income required?

A. The minimum annual income is ₹30 LPA for both salaried and self-employed applicants, supported by salary slips or ITR filings.

Q. What CIBIL score is needed?

A. A CIBIL score of 720 or above is required, along with healthy credit behaviour and payment history.

Q. Are NRIs eligible for this card?

A. No, this card is available only to resident Indian citizens. NRIs need to consider NRI-specific products.

Q. What is the age limit for self-employed applicants?

A. Self-employed applicants must be between 25 and 65 years of age, which is broader than the 21 to 60 range for salaried applicants.

See if you are eligible for this card

All Card Benefits

Earn 2% back on travel, dining & international spends with 1 reward point = ₹1 - among the best point values in the market with no conversion hassle
Get 16 domestic and 16 international complimentary airport lounge visits per year plus 4 VIP Meet & Assist services annually
Enjoy up to 16 buy-1-get-1 movie tickets on BookMyShow per year (capped at ₹500/ticket) plus 8 complimentary golf sessions

The AU Zenith Plus is built around three pillars: high-value rewards, premium travel access, and excl...

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The AU Zenith Plus is built around three pillars: high-value rewards, premium travel access, and exclusive lifestyle privileges. The earn structure is straightforward at 2 reward points per ₹100 on travel, dining, and international transactions, with 1 reward point = ₹1, delivering a 2% effective return.

The standout feature is the 0.99% forex markup on international transactions, one of the lowest in the Indian market. Cards like the HDFC Infinia (2%), ICICI Emeralde Private (2%), and Axis Magnus (2%) charge more, making the Zenith Plus particularly attractive for international travellers. Above a monthly overflow threshold of ₹4 lakh in international spends, a higher 3.5% markup applies, so heavy international spenders should structure transactions accordingly.

Welcome benefits include a brand voucher worth ₹5,000 or 5,000 reward points (valued at ₹1 each = ₹5,000) on card issuance, which fully offsets the joining fee. You can also earn 1,000 bonus reward points on minimum retail spend of ₹75,000 per statement cycle, which is recurring monthly value for heavy spenders.

Travel benefits are best-in-class. You get 16 complimentary domestic airport lounge visits per year (max 4 per calendar quarter), 16 complimentary international lounge visits via Priority Pass (max 4 per quarter), and 4 VIP Meet & Assist services per year bookable via the concierge at 1800 210 0298. The Meet & Assist service includes priority check-in, baggage assistance, and immigration help at major airports.

Movie benefits include up to 16 buy-one-get-one tickets on BookMyShow per year (max 4 per quarter), with the discount capped at ₹500 per ticket. So a family of four going to the movies twice a month can extract ₹1,000 per visit, totalling around ₹12,000 in annual movie savings.

Dining benefits are anchored by the Taj Epicure Membership, which gives 25% off on F&B (dine-in and take-away), 20% off via the Qmin app, 20% off on Spa and Salon services, and 20% off on F&B for banquets at Taj properties. The Epicure membership is available complimentary on ₹12 lakh annual spend, which is a hard threshold to hit but rewards heavy spenders meaningfully.

Golf benefits include 8 complimentary golf games or lessons per year (max 2 per quarter) bookable via the concierge. The insurance package is comprehensive: air accident cover up to ₹2 crore, card liability cover up to ₹15 lakh, credit shield up to ₹15 lakh, purchase protection up to ₹50,000, and travel-related covers for baggage delay, flight delay, passport loss, and hijack.

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Commonly Asked Questions

Q. What is the reward earn rate on this card?

A. You earn 2 reward points per ₹100 on travel, dining, and international spends, with 1 point = ₹1. This works out to a clean 2% return with no conversion complexity.

Q. What is the forex markup on this card?

A. The forex markup is 0.99% on international transactions, one of the lowest in the Indian market. Above ₹4 lakh per month, a higher 3.5% markup applies on overflow.

Q. How many lounge visits are included per year?

A. You get 16 complimentary domestic and 16 complimentary international lounge visits per year, plus 4 VIP Meet & Assist services. This is among the highest lounge counts in the Indian premium card market.

Q. What are the movie ticket benefits?

A. Up to 16 buy-one-get-one movie tickets on BookMyShow per year (max 4 per quarter), with the discount capped at ₹500 per ticket.

Q. Does this card offer golf privileges?

A. Yes, 8 complimentary golf games or lessons per year (max 2 per quarter), bookable through the 24x7 concierge service.

Q. What insurance benefits are included?

A. Air accident cover up to ₹2 crore, card liability up to ₹15 lakh, credit shield up to ₹15 lakh, purchase protection up to ₹50,000, plus travel-related covers for baggage, flight delay, passport loss, and hijack.

Q. Is concierge service included?

A. Yes, 24x7 Global Concierge Assistance is included with the card, accessible for travel bookings, dining reservations, golf, and lifestyle requests.

Milestone Benefits

12000 reward points(Worth ~ ₹12,000)

Spend ₹75,000 in 30 days

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

1 Reward Point = ₹1

Redemption Options

Brand Vouchers: Taj, Tata CliQ, Lifestyle
Merchandise (AU Rewards Catalog)
Travel (AU Rewards Catalog)

To check redemption catalogue

Click Here

Reward redemption on the AU Zenith Plus Credit Card is done through the AU Rewards portal or the AU B...

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Reward redemption on the AU Zenith Plus Credit Card is done through the AU Rewards portal or the AU Bank mobile app. The standout feature is the 1 reward point = ₹1 redemption rate, which is among the best in the Indian credit card market.

To redeem, log in to the AU Rewards portal, browse the catalogue (brand vouchers, merchandise, travel, gold), select your preferred option, and confirm. E-vouchers are typically delivered to your registered email within 24 to 72 hours. Merchandise orders are shipped within 7 to 14 working days.

The top redemption options include Taj brand vouchers, Tata CLiQ vouchers, and Lifestyle vouchers, all at the headline ₹1 per point rate. You can also redeem for the AU Rewards Catalog merchandise (electronics, home appliances, fashion) and travel bookings through the AU Rewards Travel platform.

There is no reward redemption fee on this card. So if you redeem 10,000 points (worth ₹10,000), the net you receive is the full ₹10,000 without deductions. This is unusual for premium cards, which typically charge ₹99 per redemption.

Reward points do not expire as long as the card is active, giving you full flexibility to accumulate for larger redemptions. There is no monthly redemption cap, so you can redeem your entire balance whenever you choose.

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Commonly Asked Questions

Q. What is the redemption value of one reward point?

A. The redemption rate is 1 reward point = ₹1 across brand vouchers, merchandise, and travel. This is among the highest point values in the Indian credit card market.

Q. Is there a redemption fee?

A. No, there is no redemption fee for any type of redemption on this card, which is rare for premium products.

Q. Do reward points expire?

A. Reward points do not expire as long as the card remains active and in good standing.

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for Gift Card
A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
Please use Aadhaar linked mobile number to fill the application
If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via Great.Cards to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Cash Transaction

Fuel Spends

EMI Transactions

Rent Payments

Educational Spends

Government Payments

For Spends Waiver

Cash Transaction

Fuel Spends

EMI Transactions

Rent Payments

Educational Spends

Government Payments

The AU Zenith Plus excludes several spending categories from earning rewards and counting toward fee ...

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The AU Zenith Plus excludes several spending categories from earning rewards and counting toward fee waiver thresholds.

Excluded categories include cash transactions, fuel spends, EMI transactions, rent payments, educational spends, and government payments. These do not earn reward points and do not count toward the ₹8 lakh annual fee waiver threshold.

Note that the bonus retail spend benefit (1,000 points on ₹75,000 monthly retail spend) also excludes utility, insurance, rent, education, government, fuel, cash, and EMI transactions. So qualifying spends are limited to discretionary retail, dining, travel, and online shopping.

The card excludes all reversals. So if you make a ₹100,000 hotel booking and cancel it, the 2,000 reward points earned would be reversed in the next statement cycle, and the cancelled transaction would not count toward fee waiver.

The bank reserves the right to exclude any merchant or MCC at its discretion. Refer to the latest MITC document for the full exclusion list.

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Commonly Asked Questions

Q. Are rent payments excluded?

A. Yes, rent payments are excluded from rewards and do not count toward the ₹8 lakh annual fee waiver threshold.

Q. Do fuel transactions earn rewards?

A. No, fuel transactions are excluded from rewards. However, the card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000.

Q. Are EMI transactions counted toward the fee waiver?

A. No, EMI transactions are excluded from rewards and do not count toward the ₹8 lakh fee waiver threshold.

Bank Fee Structure

Structure	Details
Forex Markups 0.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.	0.99%
APR Fees 1.99% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.	1.99%
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.	2.50%
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.	₹99
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets	1%
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.	2%
Cash Payment Fees Not Applicable	Not Applicable

Late Payment Fees	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹5,000	₹600
₹5,001 - ₹10,000	₹700
₹10,001 - ₹20,000	₹800
₹20,001 - ₹50,000	₹1,100
Above ₹50,000	₹1,300

Here is a complete breakdown of all charges on the AU Zenith Plus Credit Card. The joining fee is ...

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Here is a complete breakdown of all charges on the AU Zenith Plus Credit Card.

The joining fee is ₹4,999 plus GST, offset by a welcome ₹5,000 voucher. The annual fee is also ₹4,999 plus GST from year two, waivable on ₹8 lakh annual spend.

Forex markup is 0.99% on international transactions up to ₹4 lakh per month, with a higher 3.5% applicable on overflow. So spending USD 100 (about ₹8,300) costs ₹82 in forex fees up to the ₹4 lakh monthly threshold.

APR on revolving balances is 3.75% per month, equivalent to 45% per annum. Carrying forward ₹50,000 of unpaid dues would attract ₹1,875 in interest charges per month. Always pay full statement balance.

Cash advance fee is 2.5% of the withdrawn amount, minimum ₹500. Reward redemption fee is not applicable, which is rare for premium cards.

Railway surcharge is as prescribed by IRCTC or Indian Railways. Rent payment processing charge is 1% of transaction value when paying rent through fintech apps.

Cheque payment charge is ₹100 per cheque. Cash payment at branch is ₹100 per transaction.

Late payment charges are slab-based: ₹0 below ₹100, ₹100 for ₹101 to ₹500, ₹500 for ₹501 to ₹5,000, ₹700 for ₹5,001 to ₹10,000, and ₹750 above ₹10,000.

Fee Type	Amount
Joining Fee	₹4,999 + GST (offset by voucher)
Annual Fee	₹4,999 + GST (waived ₹8L)
Forex Markup	0.99% (up to ₹4L/month)
APR	3.75% per month (45% p.a.)
Cash Advance Fee	2.5% (min ₹500)
Reward Redemption Fee	Not Applicable
Railway Surcharge	As per IRCTC / Indian Railways
Rent Payment Charge	1% of transaction
Cheque Payment Charge	₹100 per cheque
Cash Payment at Branch	₹100 per transaction
Late Payment Charges	₹0 / ₹100 / ₹500 / ₹700 / ₹750 (slab-based)

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Commonly Asked Questions

Q. What is the interest rate?

A. The interest rate is 3.75% per month, or 45% per annum. Always pay your full statement balance to avoid these charges.

Q. What is the forex markup?

A. The forex markup is 0.99% on international transactions, one of the lowest in the Indian market. Above ₹4 lakh per month, a 3.5% rate applies on overflow.

Q. What are the late payment charges?

A. Late payment charges are slab-based, ranging from ₹0 below ₹100 to ₹750 for balances above ₹10,000.

Q. Is there a reward redemption fee?

A. No, there is no redemption fee on this card. You can redeem reward points without any deduction.

Q. What is the cash advance fee?

A. The cash advance fee is 2.5% of the withdrawn amount, minimum ₹500. Interest also accrues from the day of withdrawal.

Q. What is the rent payment charge?

A. Rent payments through fintech apps attract a 1% processing charge. Rent payments are also excluded from earning rewards.

Documents Required

To apply for the AU Zenith Plus, you need to submit identity, address, and income proof documents. Most can be uploaded digitally during the online application.

Identity proof requires PAN (mandatory) plus any one of Aadhaar, Voter ID, passport, or driving licence. Address proof can be Aadhaar with current address, recent utility bills not older than 3 months, rental agreement, passport, or driving licence with correct address.

Income proof for salaried applicants includes the last 3 months' salary slips and the last 6 months' bank statement showing salary credits. Self-employed applicants need the last 2 years' ITR with computation, latest 6 months' business bank statement, and proof of business existence such as a GST certificate or partnership deed.

For premium cards like the Zenith Plus, additional documentation such as Form 16, balance confirmation, or investment proofs may be requested by AU during the verification process.

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Commonly Asked Questions

Q. Is PAN mandatory for this application?

A. Yes, PAN is mandatory as per RBI regulations for all credit card applications in India.

Q. What income proof is needed for salaried applicants?

A. Salaried applicants need the last 3 months' salary slips and the last 6 months' bank statement showing salary credits.

Q. What income proof is needed for self-employed applicants?

A. Self-employed applicants need the last 2 years' ITR with computation, 6 months' business bank statement, and proof of business existence like a GST certificate.

Who Should Get This Card?

The AU Zenith Plus is built for high-income professionals and entrepreneurs in the ₹30 LPA+ income bracket who want premium card benefits without committing to the ₹12,500 fee of the top-tier cards (Infinia, Emeralde Private, Magnus). The ₹4,999 annual fee with waiver at ₹8 lakh spend makes this card economically attractive for the upper-middle premium segment.

The card especially suits international travellers due to the 0.99% forex markup, which is best in the Indian market. A user spending ₹3 lakh annually on international transactions saves ₹3,000 in forex fees compared to cards charging 2%, and ₹7,500 compared to standard 3.5% cards.

The simple 1 point = ₹1 redemption rate is another differentiator. Users who dislike complex partner transfer ecosystems (like HDFC SmartBuy or Axis Edge Miles) will appreciate the clean conversion structure.

This card is not the right pick if you spend more than ₹15 lakh annually and want unlimited lounges, top-tier reward rates, and the broadest lifestyle ecosystem. In that case, the HDFC Infinia or ICICI Emeralde Private deliver more value despite the higher fees. The Zenith Plus also is not ideal for users heavily focused on Indian retail at smaller merchants, where AU Bank acceptance can be patchy.

Credit Limit and What to Expect

The credit limit on the AU Zenith Plus depends on your income, CIBIL score, existing credit obligations, and AU's internal scoring. For a ₹30 LPA income profile, typical starting limits range from ₹5,00,000 to ₹15,00,000. For higher incomes or strong credit profiles, limits can exceed ₹20,00,000.

AU reviews accounts periodically and offers credit limit enhancements after 6 to 12 months of regular usage and timely payments. You can also request an enhancement through the AU mobile app or by calling customer care. Enhancements of 50% to 100% are common for cardholders with strong spend and payment patterns.

You should aim to keep your credit utilisation ratio below 30% to maintain a strong credit score. With a ₹10,00,000 limit, target monthly billed amounts of ₹3,00,000 or less, or pay down balances before statement closure.

Within your overall limit, there is a cash advance limit, usually 20% to 40% of total credit limit. Cash advances attract a 2.5% fee with a minimum of ₹500, plus immediate interest accrual at 3.75% per month.

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Commonly Asked Questions

Q. What credit limit can I expect?

A. For ₹30 LPA income profiles, starting limits typically range from ₹5,00,000 to ₹15,00,000 depending on your CIBIL score and credit profile.

Q. When can I request a credit limit increase?

A. You can request an enhancement after 6 to 12 months of regular usage and on-time payments through the AU mobile app or customer care.

Q. What is the cash withdrawal limit?

A. The cash advance limit is usually 20% to 40% of your total credit limit. Withdrawals attract a 2.5% fee with a minimum of ₹500.

How to Apply?

You can apply for the AU Zenith Plus Credit Card through the AU Small Finance Bank website, partner platforms like BankKaro that may offer additional welcome benefits, or by visiting your nearest AU branch.

The online application via aubank.in is the most common route. Visit the credit cards page, select Zenith Plus, click Apply Now, and fill in PAN, Aadhaar, date of birth, employment type, and monthly income. Upload digital copies of PAN, Aadhaar, latest 3 months' salary slips (for salaried) or last 2 ITR documents (for self-employed), and address proof.

AU Small Finance Bank runs a bureau check followed by internal verification. The initial decision usually comes within 3 to 5 working days. If approved, you complete video KYC from your phone, which takes about 5 to 10 minutes. The physical card is dispatched within 7 to 10 working days.

For high-touch service, you can request a relationship manager visit through the bank website. Given the premium positioning of this card, AU often provides personalised onboarding for Zenith Plus applicants.

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