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/

 

[Rdspam]

recent mail ..

Even here it does not mention wallet exclusion, yet they exclude it

 

[helloworld]

Even here it does not mention wallet exclusion, yet they exclude it

Proper process (If I spent on wallet for these milestones):

- Spent required amount (which includes wallet spends)
- Wait for 60 days (usual time AU credit the reward points or provide voucher) // might also receive SMS confirmation about achievement
- If reward points or voucher not received, contact them about the delay.
- Then if received the response as 'wallet is excluded' // will send them these screenshots (even website) and/or ask them where it mentioned officially in AU Bank page.
- If proper page which T&Cs says 'wallet excluded' // will request them when it updated and/or request for the consideration.
- If any point, I didn't receive voucher and/or exclusion information URL // will open Ombudsman complaint after 30 days and fight for it.

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By default, if I ask customer about anything, if its in doubt they usually deny it or ask for more time. That is customer service rule. And do not believe one agent response when its not in your favor, we have to try one more time.

I never spent on wallet because 2.3% on wallets that I use doesn't beneficial to me, so never tried. But, if you want to try.. drop another mail, and this time ask for URL where it mentioned.