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/

 

[Lobogris]

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

Ask your branch manager. They can try to get it for you.

 

[vijay.vj]

I went to PNO, requesting to proceed with application if Zenith was offered. They denied saying Zenith is no longer being sourced. Even their tool doesn't allow and all such blah blah. I asked her to place a request with all the relevant information, she mentioned that many such requests has been placed in past and none of them got approved. She clearly mentioned their CC dept is not approving any requests for Zenith card

Then I requested for Zenith+ LTF & she took request for the same. Dont have any hopes tho..

 

[Ankushjagga]

So it means once u miss swipe up offer, there is no possibility of getting Zenith LTF.

I went to PNO, requesting to proceed with application if Zenith was offered. They denied saying Zenith is no longer being sourced. Even their tool doesn't allow and all such blah blah. I asked her to place a request with all the relevant information, she mentioned that many such requests has been placed in past and none of them got approved. She clearly mentioned their CC dept is not approving any requests for Zenith card

Then I requested for Zenith+ LTF & she took request for the same. Dont have any hopes tho..

 

[vijay.vj]

So it means once u miss swipe up offer, there is no possibility of getting Zenith LTF.

Zenith LTF is not at all being provided. Had we applied some 4-5 months ago, anyone with decent limit had a good chance.

 

[Ankushjagga]

My friend applied through swipe up couple of days ago with infinia, he was approved with Zenith card. I beleive it is only being issue through swipe up portal only. And by no other means like card to card or upgrades etc.

 

[Lobogris]

My friend applied through swipe up couple of days ago with infinia, he was approved with Zenith card. I beleive it is only being issue through swipe up portal only. And by no other means like card to card or upgrades etc.

Branch can request it for HNI clients.

 

[hs23new]

Category	Zenith	Zenith+
1RP	0.2p* - 0.25p (*voucher redemption)	1 Rs.
Dining & Food Apps	5%	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%
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 = 100%	-
Domestic Lounge	4 per Quarter	4 per Quarter
International Lounge	2 per Quarter	4 per Quarter
Railway Lounge	2 per Quarter	-
BookmyShow	Flat 50% (3 per Quarter)	BOGO (4 per Quarter)
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, Fuel, Cash & EMI transactions are not eligible for monthly milestone calculation.

Zenith -1 Reward Points per INR 100 retail spends done on BBPS and Utility & Telecom categories. 0.25%
Zenith + - 1%

 

[mithrandir]

which one is better? i just got a zenith LTF card using swipe up platform. wondering whether i should try changing it zenith+, if it is available as LTF.

 

[Nubar]

I just applied for it. Do they do physical KYC at home & office address? Also, how much time do they take to process the application?

which one is better? i just got a zenith LTF card using swipe up platform. wondering whether i should try changing it zenith+, if it is available as LTF.

 

[CardGame]

I just applied for it. Do they do physical KYC at home & office address? Also, how much time do they take to process the application?

Yes, physical office verification

 

[D7162]

1) Zenith + has 1 Rs as voucher value or statement value ?
2) 1000 monthly milestone - Utility excluded ?

 

[helloworld]

Paid Zenith+ over LTF Zenith, what would be your justification to choose and pay that card?

Could someone give me some points where you considered zenith+ has edge over zenith?

 

[Lobogris]

Paid Zenith+ over LTF Zenith, what would be your justification to choose and pay that card?

for me, to recover 900rs. on Zenith+ one has to spend, 40k (75k in a month for 2.3% return) or 90k for 1% return. Anything above is the actual benefit of the card.

Could someone give me some points where you considered zenith+ has edge over zenith?

Not everyone worries about Rs 900 per year.

 

[hs23new]

Not everyone worries about Rs 900 per year.

Meet and Greet is easily worth more then that.

 

[helloworld]

Meet and Greet is easily worth more then that.

for solo, yes. for group, they might have to spend extra.

 

[helloworld]

updated with latest devaluation notice effective 1st April, 2024:

https://www.aubank.in/tnc-of-cc-revision-of-au-small-finance-bank-credit-card-usage-terms-condition_1st_march_2024.pdf

 

[Calm Radiance]

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 Telecom	0.25% (max. upto 10k/month)	1%
All Other merchants	1.25% (excl. BBPS, Rent, education, and Govt)	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, 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

Hi,
Thanks for updating as per new devaluation effective 1/4/2024. However each point value of zenith is 0.20p not 0.25p;

Thanks.

 

[helloworld]

Hi,
Thanks for updating as per new devaluation effective 1/4/2024. However each point value of zenith is 0.20p not 0.25p;

https://www.technofino.in/community/threads/au-zenith-vs-au-zenith.18143/post-462655

there are other options where you can get 0.25p (as mentioned it depends on user preference, if they want vouchers then 0.20p otherwise 0.25p) which some might interest to get better or higher points value.

 

[helloworld]

AU has this beautiful data page which shows

- number of times we availed instant discounts and amount
- cashback received
- next milestone date and required spends
- number of times lounge or even fuel surcharge availed and amount

AU Credit Card Dashboard

AU Card Holder Dashboard

discover.aubank.in

Do check, it looks really good and matches with my data. Try once.

 

[hs23new]

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.