AU Zenith Plus Credit Card Launched | Full Details & Review

[helloworld]

Because they have devalued Zenith to hell and continue to do so every month. Would rather jump ship to Zenith plus and take advantage of the monthly milestones on the card before they devalue that too

If they devalue that too, is it worth the fee paid?

Note: To recover 900Rs. we need to spend atleast 40k on normal 1% category with milestone. Or 90k without milestone.

M&G is only 1 per quarter. Problem: Additional person charged (if not travelled solo) at 3000-5000 depends on airport (extra purchase, which may not go if we paid directly).

with milestone max it offers 2.3% or 3.3% (for some categories).

Anyway, hope you find the good value with zenith+. Drop a mail (mail ids in monthly statement) and request for switch/upgrade.

 

[Rdspam]

If they devalue that too, is it worth the fee paid?

Note: To recover 900Rs. we need to spend atleast 40k on normal 1% category with milestone. Or 90k without milestone.

M&G is only 1 per quarter. Problem: Additional person charged (if not travelled solo) at 3000-5000 depends on airport (extra purchase, which may not go if we paid directly).

with milestone max it offers 2.3% or 3.3% (for some categories).

Anyway, hope you find the good value with zenith+. Drop a mail (mail ids in monthly statement) and request for switch/upgrade.

I also have points in Zenith and instead of redeeming them for vouchers at 0.20 it makes more sense for me to transfer them to zenith plus at a rate of 4 zenith pts = 1 zenith pt. Getting 0.25 instead of 0.20 value in vouchers on my points alone will compensate for the fee for me.

 

[Taklu Haiwan]

If they devalue that too, is it worth the fee paid?

Note: To recover 900Rs. we need to spend atleast 40k on normal 1% category with milestone. Or 90k without milestone.

M&G is only 1 per quarter. Problem: Additional person charged (if not travelled solo) at 3000-5000 depends on airport (extra purchase, which may not go if we paid directly).

with milestone max it offers 2.3% or 3.3% (for some categories).

Anyway, hope you find the good value with zenith+. Drop a mail (mail ids in monthly statement) and request for switch/upgrade.

For me the recovery of ₹900 can also be made by free movie tickets. Usual ticket prices on weekend are around ₹200-300. Considering average price at ₹250, even if we assume ₹100 charges by BMS, we still get ₹150 back on one ticket. For 16 tickets it's ₹2400 back.

Even at six movies in a year it breaks even just by spending 2100.

 

[helloworld]

For me the recovery of ₹900 can also be made by free movie tickets. Usual ticket prices on weekend are around ₹200-300. Considering average price at ₹250, even if we assume ₹100 charges by BMS, we still get ₹150 back on one ticket. For 16 tickets it's ₹2400 back.

Even at six movies in a year it breaks even just by spending 2100.

when you have zenith as LTF (which is the discussion point), that also provide BMS BoGo and limit 250. Can save 900 Rs.

If a person opting for zenith+ over zenith LTF (only LTF considering here, not sure why would someone went for paid card - anyway)..

- they must watch movies atleast 6 times in a year that worth more than 350rs. price.
- have spend requirement on Insurance, Utility, Telecom, Govt etc. but zenith+ provides only 1% (can find atleast 2% cards outside this bank).

Other than that at the moment I do not see any reason to shift LTF Zenith to Paid Zenith+ even at 900rs. (ignore, if one doesn't care about those 900rs.).

AU Zenith vs AU Zenith+

CategoryZenithZenith+ 1RP0.2p^ - 0.25p (^voucher redemption)1 Rs. Dining & Food Apps5% (max. upto 25k/month)2% Grocery, Departmental2.5%1% International2.5% (- Markup Fee: 2.35%) = 0.15%2% (- Markup Fee: 1.17%) = 0.83% Travel1.25%2% Insurance and Utility0.25% (max. upto 10k/month)1%...

www.technofino.in

 

[Rdspam]

when you have zenith as LTF (which is the discussion point), that also provide BMS BoGo and limit 250. Can save 900 Rs.

If a person opting for zenith+ over zenith LTF (only LTF considering here, not sure why would someone went for paid card - anyway)..

- they must watch movies atleast 6 times in a year that worth more than 350rs. price.
- have spend requirement on Insurance, Utility, Telecom, Govt etc. but zenith+ provides only 1% (can find atleast 2% cards outside this bank).

Other than that at the moment I do not see any reason to shift LTF Zenith to Paid Zenith+ even at 900rs. (ignore, if one doesn't care about those 900rs.).

AU Zenith vs AU Zenith+

CategoryZenithZenith+ 1RP0.2p^ - 0.25p (^voucher redemption)1 Rs. Dining & Food Apps5% (max. upto 25k/month)2% Grocery, Departmental2.5%1% International2.5% (- Markup Fee: 2.35%) = 0.15%2% (- Markup Fee: 1.17%) = 0.83% Travel1.25%2% Insurance and Utility0.25% (max. upto 10k/month)1%...

www.technofino.in

Honestly I’m a sucker for metal cards. I like them so much. I would have jumped for the 135k amex plat upgrade I got too but I cannot justify that fee to myself no matter the mental gymnastics I do. For Zenith plus the 1k bonus per month will easily make sense!

 

[Rdspam]

Update: got the Zenith Plus. It is pretty. There are a few things people should be aware about though. A lot of MCCs like utility, govt, etc are excluded from milestone calculations. The card also has a heavy replacement fee of 2.5k + gst. Its pretty shitty of them to not be upfront about these things on their website and that they even have these charges considering how much the fee is for the card.

 

[MS R]

anyone managed to upgrade from Xcite ultra to Zenith plus??

 

[MS R]

did anyone luckyone in the community manage to get Zenith plus LTF via new application / upgrade??

 

[helloworld]

did anyone luckyone in the community manage to get Zenith plus LTF via new application / upgrade??

upto some more period, I would not expect zenith+ as LTF. There are lot of LTF cards in AU including their premium Zenith, which makes them to adjust rewards or put conditions because lack of revenue or exclusivity. So, unless one gives significant benefit, I don't think they'll provide zenith+ as LTF because they don't make that mistake again like they did with Zenith.

Same case with IDFC who realized and kept price point for their cards.

Just my assumption..

 

[MS R]

upto some more period, I would not expect zenith+ as LTF. There are lot of LTF cards in AU including their premium Zenith, which makes them to adjust rewards or put conditions without much revenue. So, unless one gives significant benefit, I don't think they'll provide zenith+ as LTF because they don't make that mistake again like they did with Zenith.

Same case with IDFC who realized and kept price point for their cards.

Just my assumption..

I have xcite ultra .. my spends in the past one year were 8.8L .... can i request for Zenith Plus LTF?

PS: upgrade to Zenith denied over call last week.

 

[helloworld]

I have xcite ultra .. my spends in the past one year were 8.8L .... can i request for Zenith Plus LTF?

PS: upgrade to Zenith denied over call last week.

drop a mail to creditcard.priority@aubank.in they definitely agree, mention your spends etc.

 

[Rdspam]

I have xcite ultra .. my spends in the past one year were 8.8L .... can i request for Zenith Plus LTF?

PS: upgrade to Zenith denied over call last week.

They don’t upgrade over call. You have to email them. You need a limit of 5L+ to upgrade

 

[dataengineer]

They don’t upgrade over call. You have to email them. You need a limit of 5L+ to upgrade

Is rent payment eligible for yearly milestone benefits?

 

[Rdspam]

Is rent payment eligible for yearly milestone benefits?

No, rent excluded

 

[MS R]

drop a mail to creditcard.priority@aubank.in they definitely agree, mention your spends etc.

u mean for zenith or Zenith plus??

 

[helloworld]

u mean for zenith or Zenith plus??

anything. that is zenith/zenith+ department email id. send them with your requirement. if you have limit no issues, otherwise use your 8L spends.

 

[ccdc]

any knows what mcc codes are included under special category mcc in the milestone feature for zenith+

 

[helloworld]

any knows what mcc codes are included under special category mcc in the milestone feature for zenith+

any changes in this? https://www.technofino.in/community/threads/au-zenith-vs-au-zenith.18143/

I can see website still has the same information.

 

[ccdc]

it's not mentioned in the thread what what mcc are included in spl category....also website doesn't mention mcc included under spl category...

 

[Rdspam]

it's not mentioned in the thread what what mcc are included in spl category....also website doesn't mention mcc included under spl category...

Seems rent, govt, edu, insurance, utility fuel and cash are all excluded