PREMIUM METAL CARD - WITH A RANGE OF LIFESTYLE BENEFITS

AU Bank Zenith+ Metal Credit Card

AU Bank Zenith+ Metal Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
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International airport lounge access - 4 times per quarter
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Domestic airport lounge access - 16 per year
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Airport meet & assist services, 1 time per quarter
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Free movie tickets - 4 tickets per quarter (up to ₹500 each)
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Free golf rounds/ lessons - 2 per quarter
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Low forex fee of 0.99% on international transactions
Annual Fee

₹4999

Minimum Income

Net income of ₹2.50 lakhs per month

Annual Fee Offers
  • Welcome offer: Luxury vouchers or 5000 reward points worth ₹5000
  • Renewal offer: Annual fee waived on ₹8 lakh annual spend

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

  • 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
  • 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
  • 1 reward point = ₹1
  • Important exclusions: No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Up to 1.3% additional benefit, through monthly milestone program

  • 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
  • Note: 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 Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

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

Airport meet & assist services, 4 times per year (maximum 1 time per quarter). You get end-to-end VIP check-in at select airports in India

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

  • Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
  • This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

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

Complimentary insurance benefits

  • Air accident cover – up to ₹2 crore
  • Card liability cover – up to ₹15 lakhs
  • Credit shield – up to ₹15 lakhs
  • Purchase protection – up to ₹50,000
  • Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
  • Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver up to ₹1000 per month

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Benefits

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

Drawbacks

  • The reward rate on card spending is comparatively low
  • Removal of renewal benefit (5000 reward points on annual fee payment) from Nov 17, 2025

To read the full review of the card , please click here
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