AU Bank Zenith Credit Card
AU Bank AU Bank

AU Bank Zenith Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹7,999 + Taxes

Renewal Fee: ₹7,999 + Taxes

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The AU Bank Zenith Credit Card is a premium credit card offered by the bank. It is specially tailored for people who want a combination of luxury and high-end benefits. It comes with a respectively higher annual fee of ₹7,999. But it comes with a variety of rewards and privileges across various categories to overweight this annual fee.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • Vouchers: Cardholders receive vouchers worth ₹1,000 upon completing their first POS retail transaction within 60 days of card setup.
  • Bonus Reward Points: Cardholders can also earn 10,000 bonus reward points by spending ₹1 lakh on retail transactions within the first 60 days of card setup.
Rewards Points
  • Dining: With this credit card cardholders get 20 reward points for every ₹100 spent at standalone restaurants.
  • International, Grocery, and Departmental Stores: It also offers 10 reward points for every ₹100 spent on these spendings.
  • Other Categories: 5 reward points for every ₹100 spent across all other merchant categories.
  • Birthday Benefit: It offers 2,500 bonus reward points upon completing a retail transaction on your birthday.
  • Redemption: You can easily redeem reward points through the Poshvine portal where 1 Reward Point is equal to ₹0.25. These points can be redeemed to get shopping vouchers from various brands.
Milestone Benefits
  • Quarterly Spend: Cardholders receive vouchers worth ₹1,000 by spending ₹2 lakh or more in retail transactions per calendar quarter.
  • Annual Spend: It also offers a complimentary Epicure membership upon spending ₹8 lahks or more during the first year of the card.
Lounge Access
  • Airport Lounges:

    Cardholders get 4 complimentary domestic lounge visits per calendar quarter using your Zenith VISA Card.

    This credit card also offers 2 complimentary international lounge visits per calendar quarter through Priority Pass at participating lounges.

Railway Lounges
  • With the Zenith Credit Card cardholders also get 2 complimentary lounge accesses per calendar quarter at selected railway stations.
Insurance Benefits
  • Air Accident Cover: Coverage up to ₹2 crore.
  • Credit Shield: Coverage up to ₹15 lakh.
  • Purchase Protection: Coverage up to ₹50,000.
Fuel Surcharge Waiver
  • This credit card offers a 1% waiver on fuel transactions across all fuel stations in India, but this waiver is capped at ₹1,000 per statement cycle.
Concierge Services
  • 24/7 dedicated concierge services for travel bookings, dining reservations, and more.

AU Bank Zenith Credit Card Eligibility:

Eligibility Criteria of AU Bank Zenith Credit Card

  • Age: Applicants should be between 21 to 60 years old.
  • Income: Specific income criteria for Zenith Credit Card may vary and should be confirmed with AU Small Finance Bank
  • Credit Score: A good credit score of more than 750+ increases your chances for approval.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driver’s License.
  • Proof of Address: Utility bills (not older than 3 months), Aadhaar Card, Passport, or Rental Agreement
  • Proof of Income: Latest salary slips, Form 16, or recent bank statements.

Note: AU Bank may request additional documents as per their internal policies.

Fees and charges that apply to AU Bank Zenith Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹7,999 + Taxes (waived upon spending ₹5 lakh in the previous year)
Joining Fee ₹7,999 + Taxes (waived upon spending ₹1.25 lakh within the first 90 days)
Late Payment Charges Ranges from ₹100 to ₹1,100 based on the total outstanding amount
Foreign Currency Markup 1.99% on all foreign currency transactions
Cash Advance Charges 2.5% of the amount withdrawn or ₹500, whichever is higher
Over Limit Penalty 2.5% of the over-limit amount
Card Replacement Fee ₹100
Fuel Surcharge 1% (waived for transactions up to ₹1,000 per statement cycle)

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The AU Zenith Credit Card has a joining fee of ₹7,999 plus applicable taxes. You can get this annual fee waived if you spend ₹1.25 lakh within the first 90 days of card activation.

The AU Bank Zenith Credit Card offers various reward points. With this card, cardholders earn 20 reward points per ₹100 spent on dining at standalone restaurants, 10 reward points per ₹100 on international transactions, grocery, and departmental store purchases, and 5 reward points per ₹100 on other categories.

You can redeem credit card reward points easily through the AU Rewardz portal. You can use them for merchandise, e-vouchers, mobile or DTH recharges, and flight or hotel bookings. One reward point for this card is equal to ₹0.25.

Yes, the AU Bank Zenith Credit Card provides a 1% fuel surcharge waiver on transactions across all fuel stations in India. But this waiver is capped at ₹1,000 per statement cycle.

The card offers 4 complimentary domestic lounge visits and 2 complimentary international lounge visits per calendar quarter, along with 2 complimentary railway lounge accesses per quarter at select stations.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for AU Bank Zenith Credit Card on
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