AU Zenith+ Metal Credit Card
The pinnacle of AU Small Finance Bank’s card issuance, crafted in precision metal for affluent travelers and executives. It features an ultra-low 0.99% foreign exchange markup, 32 total airport lounge visits (16 domestic and 16 international Priority Pass visits), BookMyShow movie discounts, and a complimentary Taj Epicure membership.
Why We Recommend The AU Zenith+ Metal Credit Card
Best in specs, but held by a smaller affluent group owing to its strict eligibility and ₹4,999 fee.
Frequent international flyers and luxury lifestyle spenders desiring ultra-low forex markups.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Zenith+ Metal Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 to ₹1.00 (depending on flight/hotel booking catalog) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Zenith+ Metal Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Zenith+ Metal Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
16 complimentary domestic airport lounge visits per calendar year (max 4 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
16 complimentary international lounge visits per calendar year via Priority Pass (max 4 per quarter)
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Zenith+ Metal Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Low foreign currency markup fee of just 0.99%.
Up to 16 free movie tickets annually via BookMyShow (up to ₹500/ticket, Buy 1 Get 1).
32 combined domestic and international airport lounge visits every year.
Pros & Cons of the AU Zenith+ Metal Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- One of the lowest forex markups (0.99%) in India on a metal card.
- Unmatched lounge allowance (16 domestic + 16 international visits).
- Taj Epicure welcome membership directly outweighs the ₹4,999 joining fee.
Things to Consider (Cons)
- High spend requirement (₹8,00,000) for annual renewal fee waiver.
- Metal replacement fees apply on card reissuance.
- Restricted customer base due to higher income eligibility criteria.
Who Can Apply for the AU Zenith+ Metal Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
750+ Score Recommended
Applicants with a credit score of 750 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Zenith+ Metal Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AU Zenith+ Metal Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.