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AU Small Finance BankFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 Points per ₹100
Rewards are decent
The privileges that come bundled in, beyond the reward points.
0.99% Forex Markup
16 Domestic Lounge Access
An honest read on where this card earns its keep — and where it doesn't.
Lowest Forex
Low APR
High fee
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with AU Small Finance Bank before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of AU Small Finance Bank are often approved on slightly lower scores.
Everything you need to know about AU Zenith+ fees, reward conversion, lounge access, and application eligibility.
The joining fee for AU Zenith+ is nominal, and the annual renewal fee is ₹4999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for AU Zenith+ from AU Small Finance Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
AU Zenith+ is designed to reward everyday spends. It currently features: "5000 Points". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via AU Small Finance Bank's rewards portal.
Yes, AU Zenith+ offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.
You can apply for AU Zenith+ directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
