AU Zenith Plus Credit Card
Direct utility/telecom only: 1 point per complete ₹100, capped at 100 points per payment and valued at ₹1 in an available e-voucher after a 1,000-point minimum. ₹4,999+GST annual fee. BBPS excluded.
Try your spend →How this estimate works
Only eligible direct utility and telecom card payments are scored. The current AU card member agreement explicitly awards 1 reward point per complete ₹100 in these categories, maximum 100 points per transaction; BBPS does not earn. Zenith Plus also has a 1,000-point category cap per statement cycle, which this one-payment input cannot reach. The model assumes one qualifying direct payment each month, with no other spend consuming shared caps or the ₹50,000 monthly utility fee threshold. Above ₹50,000 the fee schedule charges a 1% fair-usage fee, so that route is deliberately unpriced. AU current FAQ states ₹1 per Zenith Plus point and a 1,000-point redemption minimum. This model prices only available usable e-vouchers, not guaranteed cash, and subtracts one annual ₹99+GST redemption fee once the annual minimum is met. Ranking separately subtracts ₹4,999 annual membership fee plus estimated GST; the identical first-year joining fee is not double-counted. The ₹8 lakh previous-anniversary-year renewal waiver is not presumed. The current product page only exposes an up-to-2-points headline for dining/travel/international, so other rates, domestic retail and grocery remain unscored here. Welcome points, monthly milestones, annual offers, lounges and Taj Epicure are omitted. Rent, fuel, education/government, insurance, wallet, EMI, cash, quasi-cash, BBPS, transport and ambiguous payment routes are not estimated. Points expire after two years under the issuer agreement. Verify current merchant coding and voucher availability.
Issuer terms
AU Zenith Plus product and fees · AU cap and exclusions · AU Zenith Plus point value and minimum FAQ · AU fee schedule
Terms checked 30 September 2026. Confirm the active offer, merchant coding and voucher availability before relying on the estimate.