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/

 

[jack333]

Is Au Zenith /Zenith+ better then Ixigo? With Ixigo you get LTF 0 forex card with 2.5% reward rate as Ixigo money. Since you can have only 1 Au bank card, Ixigo makes more sense. M&G you can get on Atlas and Magnus.

Both Zenith and Zenith+ are useless cards. I converted my LTF Zenith to Lit which gives upto 9% returns

 

[hs23new]

Both Zenith and Zenith+ are useless cards. I converted my LTF Zenith to Lit which gives upto 9% returns

9% is no good with low caps and bunch of subscription fees.

 

[helloworld]

Is Au Zenith /Zenith+ better then Ixigo? With Ixigo you get LTF 0 forex card with 2.5% reward rate as Ixigo money. Since you can have only 1 Au bank card, Ixigo makes more sense. M&G you can get on Atlas and Magnus.

2.5% for 200rs = 1.25%. No, Zenith/Zenith+ is better than Ixigo. With better reward rate than Ixigo, movie offers, milestone benefits these cards look more promising than Ixigo.

Note: Above views are w.r.t AU cards only, when we include other banks than AU itself not needed.

9% is no good with low caps and bunch of subscription fees.

https://www.technofino.in/community/threads/au-lit-customizable-features.2848/post-92771

If there are spends, there is a way to recover upto 9% including subscription fees.

 

[hs23new]

2.5% for 200rs = 1.25%. No, Zenith/Zenith+ is better than Ixigo. With better reward rate than Ixigo, movie offers, milestone benefits these cards look more promising than Ixigo.

Note: Above views are w.r.t AU cards only, when we include other banks than AU itself not needed.

The value of 1 reward point is 0.50 paise on ixigo money redemption.

10 RP / 200 online spends.

Reward rate is 2.5%. Which is better then Zenith/ Zenith plus.

https://www.technofino.in/community/threads/au-lit-customizable-features.2848/post-92771

If there are spends, there is a way to recover upto 9% including subscription fees.

This calculation is wrong. The fee mentioned is 299. Actually the fees is 299*3*1.18=1058.

 

[jack333]

This calculation is wrong. The fee mentioned is 299. Actually the fees is 299*3*1.18=1058.

He's written per month for all three features not per quarter

 

[helloworld]

The value of 1 reward point is 0.50 paise on ixigo money redemption.

10 RP / 200 online spends.

Reward rate is 2.5%. Which is better then Zenith/ Zenith plus.

If Ixigo features benefit you, do consider the same card and ignore all these calculations. But, would like to let you know Zenith/Zenith+ is their top most cards in AU bank compared to Ixigo, so something more valueable exist there which you can't find in Ixigo (again, if Ixigo features for your regular usage, do consider and ignore all these cards).

But, if ok to opt for subscriptin and have required spends, LIT provide much more benefits.

Note: Do not consider LIT as LTF card or entry-level card. It needs subscription and with subscriptions it is a semi-super premium card. I do not think Ixigo matches with it but again use cases may vary.

This calculation is wrong. The fee mentioned is 299. Actually the fees is 299*3*1.18=1058.

Re-check once and let us know.

 

[sambitpatro]

Can we convert the 5000 reward points to 5000rs Amazon gift card?

 

[hs23new]

With discontiuation of M&G on Axis, Au Zenith+ looks interesting. Has anyone got the card and used the service?

 

[helloworld]

With discontiuation of M&G on Axis, Au Zenith+ looks interesting. Has anyone got the card and used the service?

its strictly 1 per quarter. additional person charged accordingly.

 

[Rdspam]

@helloworld I think you should update the exclusions for zenith plus milestones. Even utilities are excluded

 

[helloworld]

@helloworld I think you should update the exclusions for zenith plus milestones. Even utilities are excluded

Can you share pdf?

 

[Rdspam]

Can you share pdf?

This is part of the welcome letter. Seems rent, govt, edu, insurance, utility fuel and cash are all excluded