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AU Zenith vs AU Zenith+

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helloworld

helloworld

TF Legend
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%
Rent, education, and Govt0%1%
BBPS0%0%
All Other merchants1.25%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 Membership8L in Card Anniversary12L in Card Anniversary
Birthday Benefit625Rs. on min. 100 spend-
Domestic Lounge2 per Quarter on min. 20k spend4 per Quarter
International Lounge2 per Quarter4 per Quarter
Railway Lounge2 per Quarter-
BookmyShowBOGO (3 per Quarter) max. 250BOGO (4 per Quarter) max. 500
Golf-2 per Quarter
Meet and Greet-1 per Quarter
Fee / Waiver / Renewal Benefits9439Rs. / 5L in Card Anniversary / None5899Rs. / 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/

1702960801545.PNG


Redemption fee (both cards): 118rs. also do note single checkout has single denomination voucher, no way to purchase multiple vouchers or multiple quantity. So, each checkout 118rs. redemption.
 
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I went to PNO, requesting to proceed with application if Zenith was offered. They denied saying Zenith is no longer being sourced. Even their tool doesn't allow and all such blah blah. I asked her to place a request with all the relevant information, she mentioned that many such requests has been placed in past and none of them got approved. She clearly mentioned their CC dept is not approving any requests for Zenith card

Then I requested for Zenith+ LTF & she took request for the same. Dont have any hopes tho..
 
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So it means once u miss swipe up offer, there is no possibility of getting Zenith LTF.
vijay.vj said:
I went to PNO, requesting to proceed with application if Zenith was offered. They denied saying Zenith is no longer being sourced. Even their tool doesn't allow and all such blah blah. I asked her to place a request with all the relevant information, she mentioned that many such requests has been placed in past and none of them got approved. She clearly mentioned their CC dept is not approving any requests for Zenith card

Then I requested for Zenith+ LTF & she took request for the same. Dont have any hopes tho..
Click to expand...
 
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My friend applied through swipe up couple of days ago with infinia, he was approved with Zenith card. I beleive it is only being issue through swipe up portal only. And by no other means like card to card or upgrades etc.
 
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helloworld said:
CategoryZenithZenith+
1RP0.2p* - 0.25p (*voucher redemption)1 Rs.
Dining & Food Apps5%2%
Grocery, Departmental2.5%1%
International2.5% (- Markup Fee: 2.35%) = 0.15%2% (- Markup Fee: 1.17%) = 0.83%
Travel1.25%2%
All Other merchants1.25%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 Anniversary12L in Card Anniversary
Birthday Benefit625Rs. on min. 100 spend = 100%-
Domestic Lounge4 per Quarter4 per Quarter
International Lounge2 per Quarter4 per Quarter
Railway Lounge2 per Quarter-
BookmyShowFlat 50% (3 per Quarter)BOGO (4 per Quarter)
Golf-2 per Quarter
Meet and Greet-1 per Quarter
Fee / Waiver / Renewal Benefits9439Rs. / 5L in Card Anniversary / None5899Rs. / 8L in Card Anniversary / 5000 Rs.

Special MCCs* - Special Categories Marchant Category Codes, Fuel, Cash & EMI transactions are not eligible for monthly milestone calculation.
Click to expand...
Zenith -1 Reward Points per INR 100 retail spends done on BBPS and Utility & Telecom categories. 0.25%
Zenith + - 1%
 
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I just applied for it. Do they do physical KYC at home & office address? Also, how much time do they take to process the application?
mithrandir said:
which one is better? i just got a zenith LTF card using swipe up platform. wondering whether i should try changing it zenith+, if it is available as LTF.
Click to expand...
 
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Paid Zenith+ over LTF Zenith, what would be your justification to choose and pay that card?

Could someone give me some points where you considered zenith+ has edge over zenith?
 
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helloworld said:
Paid Zenith+ over LTF Zenith, what would be your justification to choose and pay that card?

for me, to recover 900rs. on Zenith+ one has to spend, 40k (75k in a month for 2.3% return) or 90k for 1% return. Anything above is the actual benefit of the card.

Could someone give me some points where you considered zenith+ has edge over zenith?
Click to expand...
Not everyone worries about Rs 900 per year.
 
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helloworld said:
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 Telecom0.25% (max. upto 10k/month)1%
All Other merchants1.25% (excl. BBPS, Rent, education, and Govt)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 Anniversary12L in Card Anniversary
Birthday Benefit625Rs. on min. 100 spend-
Domestic Lounge2 per Quarter4 per Quarter
International Lounge2 per Quarter4 per Quarter
Railway Lounge2 per Quarter-
BookmyShowBOGO (3 per Quarter) max. 250BOGO (4 per Quarter) max. 500
Golf-2 per Quarter
Meet and Greet-1 per Quarter
Fee / Waiver / Renewal Benefits9439Rs. / 5L in Card Anniversary / None5899Rs. / 8L in Card Anniversary / 5000 Rs.

Special MCCs* - Special Categories Marchant Category Codes, 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
Click to expand...
Hi,
Thanks for updating as per new devaluation effective 1/4/2024. However each point value of zenith is 0.20p not 0.25p;
aea339_a5cf535b5b9f443e984155c2d0f747f6~mv2.png


Thanks.
 
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AU has this beautiful data page which shows

- number of times we availed instant discounts and amount
- cashback received
- next milestone date and required spends
- number of times lounge or even fuel surcharge availed and amount

AU Credit Card Dashboard

AU Card Holder Dashboard
discover.aubank.in discover.aubank.in

Do check, it looks really good and matches with my data. Try once.
 
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Is Au Zenith /Zenith+ better then Ixigo? With Ixigo you get LTF 0 forex card with 2.5% reward rate as Ixigo money. Since you can have only 1 Au bank card, Ixigo makes more sense. M&G you can get on Atlas and Magnus.
 
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