AU Zenith+
AU Bank · Premium · Visa Infinite
Unlimited lounge access and 2.5% on international — a value play for AU Bank customers.
AU Zenith+ is positioned as a premium card from a smaller bank, and it delivers on its headline perks: unlimited lounge access worldwide and 2.5% on international spending. For frequent travelers, these two features alone compete with cards costing much more.
Domestically, 1.25% on dining/travel and 0.5% on everything else is underwhelming for a ₹4,999 card. This card makes sense primarily for AU Bank customers who value lounge access and travel internationally. For domestic spending, there are much better options.
AU Bank customers who travel frequently (domestic lounge access unlimited) and make international purchases. The 2.5% on forex spending is competitive with much pricier cards.
You primarily spend domestically. 0.5% base rate on a ₹4,999 card is poor value. HDFC Regalia gives 1.33% with better domestic perks for a similar fee.
Reward Rates by Category
5 pts/₹100 dining/travel (1.25%), 10 pts intl (2.5%), 2 pts other (0.5%) · 1pt = ₹0.25
🚀 Boosted Rates (Partners & SmartBuy)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
✅ Best Used For
Unlimited domestic and international lounge access. No visit caps — use it every time you fly.
2.5% on international transactions is among the best available, matching ICICI Emeralde at a lower fee.
1.25% on dining and travel is decent though not exceptional.
⚠️ Switch to Another Card For
0.5% on most categories is half of what Axis ACE gives (1.5%) at a lower fee.
0.5% on online purchases. HDFC Millennia gives 5% — ten times the rate.
🤝 Best Card Combos with AU Zenith+
No single card covers everything well. Here are the best combinations to fill AU Zenith+'s gaps:
Zenith+ for lounges and international spending, ACE for all domestic spending (1.5-5%).
View Axis ACE details →Want to find the best card to pair with yours?
Try Gap Finder →❓ Frequently Asked Questions
Is AU Zenith+ worth the ₹4,999 fee?+
Only if you use lounge access frequently (10+ times/year) and make international purchases. The domestic rewards alone don't justify the fee.
Can I get the fee waived?+
Yes, at ₹8L annual spend (₹67K/month). Achievable but difficult to justify given the low base rate.
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