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AU Zenith Plus Credit Card Launched | Full Details & Review

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AU Bank recently launched its flagship credit card, the AU Zenith+ Credit Card. While they were already offering the AU Zenith Credit Card as their top-tier option, they have now introduced the AU Zenith+ Metal Credit Card. Let's check its benefits and other details:
AU zenith plus technofino.png
Apply For AU Bank Credit Card: https://bit.ly/TFAUC
Charges:
Joining Fees:

Rs. 4999 + GST per year.
Welcome Benefits:
Choose from a range of Luxury brand vouchers or Reward Points worth INR 5,000 on card activation.
Renewal Fees:
Rs. 4999 + GST per year.
Renewal Benefit:
Earn 5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.
Fee Waiver Condition: INR 8 Lakhs net retail spends done in previous card anniversary year.
Markup Fees: Lowest cross-currency foreign mark-up fees of 0.99% (+ 18% GST) on all international transactions.

Main Benefits:
Airport Meet & Assist:

Get 4 complimentary services per annum (max 1 per calendar quarter). To book call concierge on 1800 210 0298 (toll free) or 022-42320298.
Domestic Airport Lounge Access:
Get 16 complimentary domestic airport lounges per year.
International Airport Lounge Access:
Get 4 complimentary lounge access per calendar quarter.
Golf Game:
Get 2 complimentary golf rounds/lessons per calendar quarter.

BookMyShow Buy One Get One Free:
Get 4 buy one get one free tickets every calendar quarter with discounts of up to INR 500 per ticket.

Fuel surcharge waiver:
1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of INR 1000 per statement cycle).

Reward System:
Earn 2 Reward Points for every INR 100 spent on travel, dining, and international spends.
Earn 1 Reward Point per INR 100 on retail spends across all merchant categories.

Reward Points Category Exclusion: Cash, EMI & Fuel transactions will not be eligible for Reward Points.
Value of 1 Reward Point is INR 1
Reward Rate:
Travel, dining, and international spends: 2%
All other categories: 1%

Monthly Milestone Benefit:
1,000 Reward Points on a minimum retail spend* of INR 75,000 per statement cycle.
Note: Special Categories MCCs, Fuel, Cash & EMI transactions are not eligible for monthly milestone calculation.

Taj Epicure Membership:
Complimentary Taj Epicure Membership on minimum net retail spends of INR 12 Lakh in a card anniversary year.

Complimentary Device Protection Plan:
Get complimentary Device Protection Plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.
To avail benefit call concierge on 1800 210 0298 (toll free) or 022-42320298.

Some Other Insurance Covers:
  • Air Accident Cover - Up to INR 2 Crore
  • Card Liability Cover - Up to INR 15 Lakhs
  • Credit Shield - Up to INR 15 Lakhs
  • Purchase Protection - Up to INR 50,000
  • Other Travel related covers - In event of baggage delay, delay in flight, loss of passport and plane hijack.
Opinion:
We already have many decent credit cards from different banks in this segment, so new credit cards cannot impress us if they don't offer some extraordinary features. This Zenith+ credit card is decent in terms of benefits, but the reward rate is below average. A mere 1% reward rate is the deal-breaker for me. There are many banks offering more than 5% on travel and dining, both of which are high-profit categories for merchants and affiliate banks. I don't see why anyone would use this credit card just to earn 2% from travel and dining categories when we already have the SBI Cashback card, which offers 5% cashback on both categories. Overall, in my opinion, it's a below-average credit card, and better credit cards are already available in the market.
 
AU Bank recently launched its flagship credit card, the AU Zenith+ Credit Card. While they were already offering the AU Zenith Credit Card as their top-tier option, they have now introduced the AU Zenith+ Metal Credit Card. Let's check its benefits and other details:
View attachment 28667
Apply For AU Bank Credit Card: https://bit.ly/TFAUC
Charges:
Joining Fees:

Rs. 4999 + GST per year.
Welcome Benefits:
Choose from a range of Luxury brand vouchers or Reward Points worth INR 5,000 on card activation.
Renewal Fees:
Rs. 4999 + GST per year.
Renewal Benefit:
Earn 5000 Bonus Reward Points on paying annual/renewal membership fees from 2nd year onwards.
Fee Waiver Condition: INR 8 Lakhs net retail spends done in previous card anniversary year.
Markup Fees: Lowest cross-currency foreign mark-up fees of 0.99% (+ 18% GST) on all international transactions.

Main Benefits:
Airport Meet & Assist:

Get 4 complimentary services per annum (max 1 per calendar quarter). To book call concierge on 1800 210 0298 (toll free) or 022-42320298.
Domestic Airport Lounge Access:
Get 16 complimentary domestic airport lounges per year.
International Airport Lounge Access:
Get 4 complimentary lounge access per calendar quarter.
Golf Game:
Get 2 complimentary golf rounds/lessons per calendar quarter.

BookMyShow Buy One Get One Free:
Get 4 buy one get one free tickets every calendar quarter with discounts of up to INR 500 per ticket.

Fuel surcharge waiver:
1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of INR 1000 per statement cycle).

Reward System:
Earn 2 Reward Points for every INR 100 spent on travel, dining, and international spends.
Earn 1 Reward Point per INR 100 on retail spends across all merchant categories.

Reward Points Category Exclusion: Cash, EMI & Fuel transactions will not be eligible for Reward Points.
Value of 1 Reward Point is INR 1
Reward Rate:
Travel, dining, and international spends: 2%
All other categories: 1%

Monthly Milestone Benefit:
1,000 Reward Points on a minimum retail spend* of INR 75,000 per statement cycle.
Note: Special Categories MCCs, Fuel, Cash & EMI transactions are not eligible for monthly milestone calculation.

Taj Epicure Membership:
Complimentary Taj Epicure Membership on minimum net retail spends of INR 12 Lakh in a card anniversary year.

Complimentary Device Protection Plan:
Get complimentary Device Protection Plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.
To avail benefit call concierge on 1800 210 0298 (toll free) or 022-42320298.

Some Other Insurance Covers:
  • Air Accident Cover - Up to INR 2 Crore
  • Card Liability Cover - Up to INR 15 Lakhs
  • Credit Shield - Up to INR 15 Lakhs
  • Purchase Protection - Up to INR 50,000
  • Other Travel related covers - In event of baggage delay, delay in flight, loss of passport and plane hijack.
Opinion:
We already have many decent credit cards from different banks in this segment, so new credit cards cannot impress us if they don't offer some extraordinary features. This Zenith+ credit card is decent in terms of benefits, but the reward rate is below average. A mere 1% reward rate is the deal-breaker for me. There are many banks offering more than 5% on travel and dining, both of which are high-profit categories for merchants and affiliate banks. I don't see why anyone would use this credit card just to earn 2% from travel and dining categories when we already have the SBI Cashback card, which offers 5% cashback on both categories. Overall, in my opinion, it's a below-average credit card, and better credit cards are already available in the market.
The only distinctive advantage is the meet and assist. Else it is good for nothing as other cards will cover everything else.
 
Don't get the point as to why they've launched it when they already have Zenith that is a much better card. The reward rate isn't great, the monthly milestone isn't attractive enough to overcome the low base rewards. Even the Xcite cards are better than this. Metal form factor and Meet and Greet the only worthwhile things, but the overall features don't make those a differentiating aspect.
 
Don't understand whether they want to position this card as their premium card or already available zenith card. They have mixed the benefits so none of the card would be called a premium card.
 
Guys please note you are effectively paying only GST, what more can a bank give for almost free card. I know they have positioned and named the card incorrectly but its a decent card for benefits
Yes, even the benefits equivalent to GST can be claimed very easily. Just two movie bookings, and you recover the fee (GST part).
 
it's like the SC Ultimate credit card only advantage is it's in metal.
is it better than SC Ultimate? experts please
 
Anyone upgraded their Zenith LTF to Zenith+ LTF? Whats the process?
Checked up from the bank authorities and they have no information as of now. But then on a hindsight was thinking that why am I even asking them for Zenith Plus from LTF Zenith as Zenith gives better returns on normal usage (1.25% as compared to 1%) and more so on dining and grocery purchase. Even 50% off on BMS suits when you don't have company to watch a movie. Think Zenith Plus is only better in the form factor (Metal) and Golf benefits (two rounds in a quarter is not all that great).
 
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