AU Bank Zenith Credit Card
AU Small Finance Bank AU Small Finance Bank

AU Bank Zenith Credit Card

/assest/image/icons/dining.svg Dining
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹7999* Plus Applicable Taxes

Renewal Fee: ₹7999*Plus Applicable Taxes

Dining Dining
Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹7999* + Tax

Renewal Fee: ₹7999* + Tax

Welcome benefits:- Get ₹1,000 vouchers from partner brands on your first retail transaction.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About AU Bank Zenith Credit Card

The AU Bank Zenith Credit Card is a premium option that offers excellent rewards, especially for those who frequently spend on travel, shopping, dining, and international purchases. With up to 20 reward points earned for every ₹100 spent, and each point valued at ₹0.25, the card ensures a strong value-back despite the lower per-point value. Interestingly, it offers a better overall return than the bank’s Zenith+ variant, which provides only 2 points per ₹100, even though those points can be redeemed at a 1:1 value. With an annual fee of ₹7,999, the Zenith Credit Card stands out as a rewarding choice for high spenders who want to maximize their everyday purchases.

The AU Bank Zenith Credit Card is a premium lifestyle credit card tailored for high spenders who frequently spend on dining, travel, and international purchases.

AU Bank Zenith Credit Card Rewards Program

Rewards Structure:

  • Earn 20 reward points for every ₹100 spent on dining at standalone restaurants.
  • Get 10 reward points for every ₹100 spent on international transactions, grocery, and departmental stores.
  • Receive 5 reward points for every ₹100 spent across other merchant categories.
  • Earn 1 reward point for every ₹100 spent on insurance, utility, and telecom payments.
  • Enjoy 2,500 bonus reward points on completing a retail transaction on your birthday.

Reward Value: ₹0.25 per reward point

Redemption Options: Choose from a wide range of options including e-vouchers of top brands, merchandise, mobile/DTH recharges, flight and hotel bookings, and more.

Other Features and Benefits

Welcome Benefits

  • Get a Zomato Pro Annual Membership after completing 5 retail transactions with your AU Bank Zenith Credit Card.
  • Receive vouchers worth ₹1,000 from select partner brands on your first retail transaction.
  • Enjoy 10,000 bonus reward points when you spend ₹1 lakh in retail within the first 60 days.

Birthday Benefit

  • Earn 2,500 bonus reward points when you make one retail transaction on your birthday.

Fuel Benefit

  • Get a 1% fuel surcharge waiver on fuel spends made at any fuel station across India using your Zenith Credit Card.

Milestone Benefits

  • Get a complimentary Epicure membership by spending ₹8 lakh or more during your card’s anniversary year.
  • Receive vouchers worth ₹1,000 (from partner brands) on spending ₹2 lakh in a calendar quarter.
  • First-year fee waived on spending ₹1.25 lakh within the first 90 days.
  • Second-year fee waived on spending ₹5 lakh in the previous year.
  • Note: Fee waivers are applicable only on retail spends.

Railway Lounge Benefits

Enjoy 2 complimentary railway lounge visits per calendar quarter at the following stations:

  • New Delhi
  • Kolkata (Sealdah)
  • Jaipur
  • Ahmedabad
  • Agra
  • Madurai

Airport Lounge Benefits

  • Access over 1,000 lounges globally with your card.
  • Get 4 complimentary domestic airport lounge visits every calendar quarter.
  • Under the Priority Pass Program, enjoy 2 free international lounge visits per quarter at partner lounges.

EMI Benefits

  • Convert any transaction of ₹2,000 or more into EMIs.
  • Choose a repayment tenure that suits you.
  • To avail the XpressEMI facility, call customer care at 1800 1200 1500.

Card Liability Cover

  • Enjoy zero liability for any fraudulent transactions made after you report your card as lost to AU Bank.
  • Get protection against card skimming, online fraud, and counterfeit transactions.

Travel Coverage

Stay protected during your journeys with coverage for:

  • Lost or delayed baggage
  • Flight delays
  • Lost passport
  • Hijacking of an airplane

Fees and Charges

Type of chargeFee
Joining feeNIL
Annual feeRs.7,999
Fee for an add-on cardNIL
Revolving credit charge1.99% per month (23.88% annually)
Cash advance fee2.5% of amount withdrawn, subject to a minimum of Rs.100
Limit for cash advance20% of the credit limit
Minimum repayment amount5% or minimum Rs.100
Overlimit charges2.5% of overlimit amount, subject to a minimum of Rs.500
Fee for redeeming reward pointsNIL
Cash processing feeNIL
Fee for processing an outstation chequeRs. 25
Processing fee for balance transfer
  1. 1% of the balance transfer amount
  2. This fee is subject to a minimum amount of Rs.250
Credit card validation fee at loungesRs.2
EMI conversion fee
  1. 1% of the amount you convert into EMIs
  2. The EMI conversion fee is subject to a minimum of Rs.250
Charge for Priority Pass Lounge$27 plus taxes per person for every visit
Foreign currency mark-up fee1.99%
Fee for duplicate physical statement requestRs.100
Fee for reissue of lost/damaged/stolen credit cardRs.100
Goods and Services Tax (GST)18%
Late Payment Charges
  1. Less than Rs.100: NIL
  2. Rs.100 to Rs.500: Rs.100
  3. Rs.501 to Rs.5,000: Rs.400
  4. Rs.5,001 to Rs.20,000: Rs.500
  5. More than Rs.20,000: Rs.700

Things to Know Before you apply

Get this card if:

  • You frequently dine at standalone restaurants.
  • You want high rewards on everyday spending.
  • You can spend ₹2 lakh per quarter to unlock milestone benefits.
  • You're comfortable paying a ₹7,999 annual fee.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For AU Bank Zenith Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

AU Bank Zenith Credit Card Hilights

What do we like about this card?

  • 10,000 bonus reward points on spending ₹1 lakh within the first 60 days.
  • Earn 20 reward points per ₹100 spent on dining.
  • 4 complimentary domestic airport lounge visits every calendar quarter.
  • Air accident cover of ₹2 crore for enhanced travel protection.

Pros

  • Accelerated rewards on dining and grocery spends with no brand limitations
  • High reward earning rate across multiple categories
  • Low forex markup fee (1.99%) on international transactions
  • Railway lounge access available for both primary and add-on cardholders
  • Attractive quarterly and annual milestone benefits

Cons

  • High annual fee of ₹7,999
  • Limited perks in non-core lifestyle categories
  • Low reward redemption value (₹0.25 per point)

Au Bank Credit Card Contact Details

  • Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar,  Jaipur – 302020, Rajasthan, India
  • Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
  • Simply SMS: SMS ZENITH to 5676766 to get a callback or apply

Frequently Asked Questions

Everything you need to know about this credit card

The annual fee is ₹7,999 + applicable taxes.

Yes. First-year fee waiver: Spend ₹1.25 lakh on retail transactions within 90 days of card setup. Second-year onwards: Spend ₹5 lakh in a card anniversary year to waive the annual fee.

Yes, a reward redemption fee of ₹99 is charged per successful redemption request.

Salaried individuals: 21 to 60 years Self-employed individuals: 25 to 65 years Other factors include monthly income, credit score, and overall credit profile.

Discounts on food & beverage (F&B) across Taj, SeleQtions, and Vivanta hotels Exclusive offers via the Qmin App Discounts on spa treatments at Jiva Spas Vouchers for discounted room/suite bookings at participating hotels

Yes, if you are a high spender and want to maximize rewards and milestone benefits, the card offers solid value—especially if you frequently spend on dining, travel, and shopping.

Yes, both primary and add-on cardholders enjoy access to airport and railway lounges.

Toll-free: 1800-210-0298 Alternate number: 022-42320298

Write to creditcard.priority@aubank.in for support related to your Zenith Credit Card.

Yes, the AU Zenith Credit Card supports secure contactless payments for transactions up to ₹5,000 without PIN entry at compatible POS terminals.

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