What is the annual fee for AU Zenith Plus?

Annual fee for AU Zenith Plus is ₹4999 + GST, waived on ₹800K+ annual spend.

What is the reward rate on AU Zenith Plus?

AU Zenith Plus offers 4% cashback on general spends. It also earns 2% on UPI payments.

Minimum income for AU Zenith Plus?

Minimum income required is ₹18.0 lakh per year.

Overview

Rewards

Fees

Score

Verdict

💎 PremiumVisa

AU Small Finance Bank

AU Zenith Plus

Best UPI premium card — 8% on dining/travel + 2% on every UPI payment

Annual Fee

₹4,999

Reward

4% cashback

GenieScore

48/100

Lounge

8/yr

Expert

4.4/5★

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About this Card

AU Zenith Plus is the most rewarding premium card for UPI users and diners in India. 8% cashback on dining and travel is market-leading, and 2% on all UPI payments is the highest UPI reward rate among premium cards. 8 lounge visits per year complete the premium positioning.

Key Features

🏆

8 complimentary lounge visits/year (domestic + international)

✈️

8% cashback on dining & travel — market-leading rate

💰

2% cashback on ALL UPI payments — highest among premium cards

🎁

4% on all online spends

⚡

Fee waived on Rs.8L annual spend

Pros

✓8% cashback on dining and travel — highest in India for premium cards

✓2% cashback on ALL UPI payments — market-leading for premium segment

✓8 complimentary lounge visits per year (domestic and international)

✓4% cashback on all other online spends

✓Annual fee waived on ₹8L spend

Cons

✗₹4,999 annual fee requires ₹8L spend for waiver

✗AU Small Finance Bank has smaller network than major banks

✗Cashback caps apply on dining and travel categories

✗Less established brand vs HDFC/ICICI/Axis

✗Limited international acceptance in some countries

Quick Specs

💳Card TypeCashback

🌐NetworkVisa

💰Annual Fee₹4,999 + GST

🎯Base Reward4% cashback

✈️Lounge8/year

📱UPI Rewards2% on UPI

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

Apply Now on AU Small Finance Bank

AU Zenith Plus Review 2026 — Rewards, Fees & Benefits | CardGenie | CardGenie