About AU 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 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 charge | Fee |
|---|
| Joining fee | NIL |
| Annual fee | Rs.7,999 |
| Fee for an add-on card | NIL |
| Revolving credit charge | 1.99% per month (23.88% annually) |
| Cash advance fee | 2.5% of amount withdrawn, subject to a minimum of Rs.100 |
| Limit for cash advance | 20% of the credit limit |
| Minimum repayment amount | 5% or minimum Rs.100 |
| Overlimit charges | 2.5% of overlimit amount, subject to a minimum of Rs.500 |
| Fee for redeeming reward points | NIL |
| Cash processing fee | NIL |
| Fee for processing an outstation cheque | Rs. 25 |
| Processing fee for balance transfer | - 1% of the balance transfer amount
- This fee is subject to a minimum amount of Rs.250
|
| Credit card validation fee at lounges | Rs.2 |
| EMI conversion fee | - 1% of the amount you convert into EMIs
- 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 fee | 1.99% |
| Fee for duplicate physical statement request | Rs.100 |
| Fee for reissue of lost/damaged/stolen credit card | Rs.100 |
| Goods and Services Tax (GST) | 18% |
| Late Payment Charges | - Less than Rs.100: NIL
- Rs.100 to Rs.500: Rs.100
- Rs.501 to Rs.5,000: Rs.400
- Rs.5,001 to Rs.20,000: Rs.500
- More than Rs.20,000: Rs.700
|
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Document Required For AU 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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Zenith Credit Card Highlights
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.
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.
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
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Frequently Asked Questions
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.
