AU Zenith+ Metal Credit Card

AU Small Finance Bank · Open to apply

AU's premium metal card. It pays 1 point per ₹100 (2 on travel, dining and international) with each point worth ₹1, a ₹5,000 welcome, 16 domestic and 16 international lounge visits a year, 0.99% forex and 1.99% monthly interest. The ₹4,999 annual fee is waived on ₹8 lakh of yearly spend.

Annual fee
₹4,999 + GST a year
Joining fee
₹4,999 + GST
Fee waiver
Annual fee waived on ₹8,00,000 spend per card year
Base rate
All other spends, 1 point per ₹100: 1 AU reward points per ₹100 (about 1% at cash value)
Lounges
Domestic: 4 visits a calendar quarter; International: 4 visits a calendar quarter
Forex markup
0.99%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • Dining, flights and hotels, 2 points per ₹100: 2 AU reward points per ₹100 (about 2% at cash value)
  • International spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 2% at cash value)

Earns nothing on

  • No points on cash, EMI, fuel and tolls
  • No points on railways (transportation)

Where the sources disagree

  • Value of a reward point: The Zenith+ page says 1 point = ₹1. A third-party review says ₹0.25 and the bank's 2023 notice says ₹0.20 for gift cards and vouchers on all AU cards. We use the bank's Zenith+ page.

Terms the calculator does not value

  • Points on utility and telecom, insurance, education and government, and rent are capped at 1,000 in total. The page does not give the period (statement cycle, month or year), so the cap is not applied and heavy spenders on these categories are overvalued.
  • Transportation and BBPS spends earn no points. Tolls and IRCTC are excluded here, but local commute (MCC 4111) and BBPS have no category and are valued at the base rate. A third-party log dates the transport exclusion to 10 April 2026 (unverified).
  • Which merchants count as "travel" for the 2-point rate is not listed. Only flights and hotels are matched; cabs, trains and booking sites earn the base rate here.
  • The redemption route that gives ₹1 a point is not stated; the 2023 notice gives ₹0.20 for gift cards and vouchers. Points expiry not found.
  • The Taj Epicure membership and device protection plan are not valued. The 1% fuel waiver is capped at ₹1,000 per statement cycle and sits beside the fair-usage fuel fee, which can apply to the same month.

Sources

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