AU Zenith vs AU Zenith+

[helloworld]

Category	Zenith	Zenith+
1RP	0.2p^ - 0.25p (^voucher redemption)	1 Rs.
Dining & Food Apps	5% (max. upto 25k/month)	2%
Grocery, Departmental	2.5%	1%
International	2.5% (- Markup Fee: 2.35%) = 0.15%	2% (- Markup Fee: 1.17%) = 0.83%
Travel	1.25%	2%
Insurance and Utility	0.25% (max. upto 10k/month)	1%
BBPS, Rent, education, and Govt	0%	1%
All Other merchants	1.25%	1%
Milestone benefits	+1000Rs. extra = 0.5% // 2L in a Calendar Quarter -- all spends included	+1000 Rs. extra = 1.3% // 75k in a Calendar Month -- Special MCCs* excluded
Epicure Membership	8L in Card Anniversary	12L in Card Anniversary
Birthday Benefit	625Rs. on min. 100 spend	-
Domestic Lounge	2 per Quarter	4 per Quarter
International Lounge	2 per Quarter	4 per Quarter
Railway Lounge	2 per Quarter	-
BookmyShow	BOGO (3 per Quarter) max. 250	BOGO (4 per Quarter) max. 500
Golf	-	2 per Quarter
Meet and Greet	-	1 per Quarter
Fee / Waiver / Renewal Benefits	9439Rs. / 5L in Card Anniversary / None	5899Rs. / 8L in Card Anniversary / 5000 Rs.

Special MCCs* - Special Categories Marchant Category Codes: Rent, Education & Govt, Insurance, Utility, Fuel, Cash & EMI transactions are not eligible for monthly milestone calculation.

updated with 1st April, 2024 changes: https://www.aubank.in/tnc-of-cc-rev...card-usage-terms-condition_1st_march_2024.pdf

^ voucher redemption (Zenith):
Except vouchers, remaining categories 0.25p (Ex: Flight/hotel booking etc.) https://rewardz.aubank.in/

 

[maheshspanicker]

"Special MCCs - Rent, Education & Govt, Insurance, Utility, Fuel spends and Cash will not be considered for Bonus Reward Points."
What does this exactly mean? Isn't Zenith one of the still usable cards for rent pay? Isn't rentt considered for milestone bbenefit on the card? Or is it only about the 60 days welcome benefit of 2500 points?

 

[helloworld]

"Special MCCs - Rent, Education & Govt, Insurance, Utility, Fuel spends and Cash will not be considered for Bonus Reward Points."
What does this exactly mean? Isn't Zenith one of the still usable cards for rent pay? Isn't rentt considered for milestone bbenefit on the card? Or is it only about the 60 days welcome benefit of 2500 points?

In above table, only one place I mentioned Special MCCs and provided definition at the end of the table (and its not about Zenith card).

Edit: For better convinience, kept *

 

[Dhruvit.S]

Can you explain the birthday benefit?

 

[helloworld]

Can you explain the birthday benefit?

Ex: Birthday 1st Jan as per AU records and holding Zenith card.

On 1st Jan - transact min. 100 and receive 2500 reward points within 2 working days.

 

[Dhruvit.S]

Ex: Birthday 1st Jan as per AU records and holding Zenith card.

On 1st Jan - transact min. 100 and receive 2500 reward points within 2 working days.

Wow, idk this. Thanks will use the benefit

 

[D₹V]

Appreciate your work 😃

 

[wr8_utd]

Given the extremely low markup fee for international transactions, is this a transaction that one could maybe use instead of a forex card (and the conversion losses you see in that when loading money)? Also, the Zenith+ seems to give 2RP per INR100 spent on international spends as well so this is surely a much better option than a forex card, right? Or are there any other cards which are a better combo of forex markup + RP on international spends?

 

[helloworld]

Given the extremely low markup fee for international transactions, is this a transaction that one could maybe use instead of a forex card (and the conversion losses you see in that when loading money)? Also, the Zenith+ seems to give 2RP per INR100 spent on international spends as well so this is surely a much better option than a forex card, right? Or are there any other cards which are a better combo of forex markup + RP on international spends?

Some changes are there but give you idea.

Best Credit Cards for International Transactions

Though India is way beyond in the Credit card game and variants but we can notice a great community is being build revolving it and the growth is great in terms of new credit card consumers in past 5-6 years. From insanely popular cashback cards to the cards for nerds, the airmiles cards, we can...

www.technofino.in

 

[wr8_utd]

Some changes are there but give you idea.

Best Credit Cards for International Transactions

Though India is way beyond in the Credit card game and variants but we can notice a great community is being build revolving it and the growth is great in terms of new credit card consumers in past 5-6 years. From insanely popular cashback cards to the cards for nerds, the airmiles cards, we can...

www.technofino.in

Thank you so much!

 

[Deathsnatcher]

Check table, only one place I mentioned Special MCCs and provided definition at the end of the table.

Edit: For better convinience, kept *

Special Categories MCCs, Fuel, Cash & EMI transactions are not eligible for monthly milestone calculation.
UTILITY is still considered for milestones
reference

AU Zenith Plus Credit Card Launched | Full Details & Review

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: Apply For AU Bank Credit...

www.technofino.in

 

[Avatar Aang]

How to get 25p/ RP value?

 

[Lobogris]

Finally got my Zenith + approved after a year long struggle! The branch had to fight super hard for me.

 

[Ankushjagga]

I am holding AU LIT card, which I know I should not have applied, because I am holding HDFC infinia credit card and would have got Zenith without any hiccups. Can anyone suggest how I can avail Zenith card LTF, I don’t want to send income documents to upgrade card since my ITR is low, can it be upgraded on the basis of INFINIA, I am also holding AU ROYALE account.

 

[helloworld]

I am holding AU LIT card, which I know I should not have applied, because I am holding HDFC infinia credit card and would have got Zenith without any hiccups. Can anyone suggest how I can avail Zenith card LTF, I don’t want to send income documents to upgrade card since my ITR is low, can it be upgraded on the basis of INFINIA, I am also holding AU ROYALE account.

Check with @deep@vie for help.

 

[4uziaul]

I am holding AU LIT card, which I know I should not have applied, because I am holding HDFC infinia credit card and would have got Zenith without any hiccups. Can anyone suggest how I can avail Zenith card LTF, I don’t want to send income documents to upgrade card since my ITR is low, can it be upgraded on the basis of INFINIA, I am also holding AU ROYALE account.

Email them after 6 months for an upgrade, assuming your card limit is above 5L, but there is no guarantee they will upgrade it or issue it as LTF.

 

[deep@vie]

Email them after 6 months for an upgrade, assuming your card limit is above 5L, but there is no guarantee they will upgrade it or issue it as LTF.

Chances of upgrade are very slim.

 

[Ankushjagga]

Chances of upgrade are very slim.

Can u suggest what can be done to get Zenith LTF, limit of INFINIA is 10.7L. Additionally holding Royale account with several FDs.

 

[deep@vie]

Can u suggest what can be done to get Zenith LTF, limit of INFINIA is 10.7L. Additionally holding Royale account with several FDs.

Hi Ankush, please connect with your BM or RM.

 

[Ankushjagga]

Do they have authority from their end? I have good relation with regional head, BM report to them.
Wanted to highlight my Lit card is almost 9 months old.