By: OurMoneyGuide || Last updated on: June 6, 2024

AU Bank Zenith+ Metal Credit Card s a premium metal credit card, offering a variety of lifestyle benefits like complimentary access to airport lounges in India and abroad, complimentary Taj Epicure membership, airport meet and assist services, movie & golf benefits, insurance benefits and more.

Pros & Cons of AU Bank Zenith+ Metal Credit Card


  • Good lifestyle benefits like airport lounge access, airport meet & assist, golf, movie tickets, insurance benefits and more
  • Good annual fee related offers


  • Reward rate on card spending is comparatively low, especially on shopping spends

Features & Benefits of the AU Bank Zenith+ Metal Credit Card

2% reward on travel spends, dining spends, and international spends || 1% reward on all other card spends

You earn 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad. You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases.

1 reward point = ₹1, and can be redeemed on AU Bank’s rewards redemption portal for vouchers, products and more.

No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Monthly and yearly milestone benefits

✓ Monthly milestone benefit (1000 reward points worth ₹1000, at ₹75000 monthly card spend): You get 1000 reward points worth ₹1000, on monthly card spend of ₹75,000 – 1.3% reward.

✓ Yearly milestone benefit (Taj Epicure Membership at ₹12 lakh annual card spend): You get complimentary Taj Epicure Membership, at yearly card spend of ₹12 lakh. Taj Epicure is a luxury food & beverage, as well as hotel membership program from the Taj/Tata group of hotels. It gives upto 25% discount on high-end dining & room rates across properties taking part in the program. For detailed terms & conditions of Epicure membership, click here.

The following card spends are not eligible for monthly milestone card spend calculation - fuel, cash withdrawals, EMI transactions, rent, utility bills, wallet loads, government & education transactions, insurance.   

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

You get free visits to international airport lounges, 16 times each year (maximum 4 times per quarter).

For eligible list of Priority Pass lounges, please click here. Usage of Priority Pass within India is chargeable. For detailed terms & conditions, please click here.

Complimentary access to airport lounges in India – 16 times per year 

You get free visits to domestic airport lounges, 16 times each year.

This benefit is brought to you in partnership with VISA. For list of eligible lounges, please click here.

Airport meet & assist services, 4 times per year

You get end-to-end VIP check-in at select airports in India, 4 times per year (maximum 1 time per quarter). Know more

BOGO (Buy One Get One Free movie ticket upto ₹500) at BookMyShow movies - 4 free tickets per quarter 

When you buy one ticket, you get upto ₹500 off on the second ticket, at BookMyShow.

This offer can be availed 16 times per year, maximum 4 times per quarter. Hence you get benefits upto ₹8000 each year. Know more.

Complimentary golf – 8 free golf rounds/lessons per year

You get free golf rounds/ lessons, 8 per year (maximum 2 per quarter). Know more.

Low fee (forex markup fee) of 0.99% on international card transactions

You get a low fee of 0.99% on foreign transactions.

This is a unique benefit, since most cards in the industry charge around 3.50% on foreign card transactions. Hence this is a very useful benefit for those who travel abroad frequently. 

24/7 concierge services

You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits

You get a range of free insurance benefits.

✔︎ Air accident insurance cover of ₹2 crore
✔︎ Fraud liability cover upto ₹15 lakhs
– in the unfortunate event of loss of credit card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
– you are also protected against card counterfeit/skimming and online frauds.
✔︎ Credit shield insurance cover upto ₹15 lakhs
– in the event of accidental death of the card holder, outstanding payments on a card are waived off.
✔︎ Purchase protection upto ₹50,000
✔︎ Other travel related covers – baggage delay, delay in flight, loss of passport and plane hijack.
Please click here to view detailed terms and conditions. 

You also get complimentary Device Protection Plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased. Know more.

Fuel surcharge waiver, upto ₹1000 per month

You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month.

Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

AU Bank customer care

You can contact AU Bank 24/7, please click here for details – AU Customer Care Numbers & Other Contact Details

For priority assistance, you can mail your queries on 

AU Bank Zenith+ Metal Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹4999Welcome offer : You get 5000 reward points worth ₹5000, when you do your 1st card transaction, within 30 days of card issuance date
Renewal fee from 2nd year onwards₹4999Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹8 lakhs or more in the previous year.

In case you do not qualify for this offer, you are given 5000 reward points worth ₹5000, on payment of renewal fee.

To view all fees and charges and details, please click here – AU Credit Cards Fees & Charges . Taxes applicable on all fees and charges, as per existing law.

Eligibility Criteria

Minimum agePrimary card member: 20 years
Add-on card member: 18 years
Maximum age60 years
OccupationSalaried or self-employed
Minimum income requirementsNet income of ₹2.50 lakhs per month
Credit scoreGood credit score, preferably above 750
LocationApplicant should be based in the credit card sourcing locations of AU bank

Application Process

Documents required

Required documents– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

How do I apply for the AU Bank Zenith+ Metal Credit Card?

Online application process
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the AU Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.