AU Bank Zenith Credit Card
Updated on August 26, 2026
🎖️Reward Rate
5 Reward Points per ₹100 on Dining, International, Grocery & Departmental stores (capped at 5,000 points/statement cycle on dining)
Overview
The AU Bank Zenith Credit Card is a super-premium lifestyle and travel card offering accelerated rewards on dining and international spends, extensive lounge access, concierge services, and comprehensive insurance cover.
Rewards
Reward Type
Reward Points
Reward Rate
- • 5 Reward Points per ₹100 on Dining, International, Grocery & Departmental stores (capped at 5,000 points/statement cycle on dining)
- • 3 Reward Points per ₹100 on other merchant categories
- • 1 Reward Point per ₹100 on Insurance & Utility/Telecom (max 100 points per transaction)
Welcome Benefit
Not shown as a distinct welcome benefit on the official page (only monthly milestone and birthday bonus disclosed)
Milestone Benefit
1,000 Bonus Reward Points on ₹50,000+ retail spend in a statement cycle; 2,500 Bonus Reward Points on a birthday transaction
Redemption
AU Rewardz: flight & hotel bookings, e-vouchers, merchandise
Benefits
- 5 Reward Points per ₹100 on Dining, International, Grocery & Departmental stores (max 5,000 points/statement cycle on dining)
- 3 Reward Points per ₹100 on other merchant categories
- 1 Reward Point per ₹100 on Insurance & Utility/Telecom (max 100 points per transaction)
- 8 complimentary domestic lounge visits annually (2 per quarter), conditional on ₹50,000+ retail spend in the preceding quarter
- 8 complimentary international lounge visits annually (2 per quarter) via Priority Pass
- usage within India is chargeable
- issuance is request-based
- 24x7 Global Concierge Service
- Dedicated Concierge Services for travel/entertainment/leisure via toll-free 1800 210 0298
- Curated Visa offers: ITC Hotels, Elivaas villas, Visa Meet & Greet, Dine with Visa
- separate curated RuPay offers
- Tap-and-pay without PIN for amounts up to ₹5,000
- Free-for-lifetime add-on cards offering the same benefits
- XpressEMI — convert transactions of ₹500+ (min total ₹2,000) into EMI via app, net-banking, chatbot, WhatsApp, call, or IVR
- Comprehensive Protection Cover: up to ₹2 Crore air accident cover
- up to ₹15 Lakh credit shield & card liability
- up to ₹50,000 purchase protection
- zero liability on reported fraud
- counterfeit/skimming protection
- travel cover on baggage delay, flight delay, lost passport, hijack
Things to Know Before you apply
AU Bank Zenith Credit Card Eligibility Criteria
- Age: 21–65 years
- Not disclosed by issuer (only age bands shown)
- Salaried: 21–60 years
- Self-Employed: 25–65 years
- Add-on holder: 18+ years
- Resident Indian
AU Bank Zenith Credit Card Customer Care
- Toll Free: 1800 210 0298
- Concierge Service: 24x7 Global Concierge Service; Dedicated Concierge Services for travel/entertainment/leisure
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹7,999 |
| Annual Fee | ₹7,999 |
| Foreign Currency Mark-up Fee | 3.49% |
| Cash Advance Fee | Not disclosed by issuer |
Fee waiver: Year 1: ₹1,25,000 retail spend within 90 days of card setup. Year 2 onwards: ₹5,00,000 retail spend in the preceding card-anniversary year
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
AU Bank's top-tier card, offering meaningful rewards on dining and international spend plus dual domestic/international lounge access — note the forex markup rises from 1.99% to 3.49% and the fuel surcharge waiver shrinks to ₹100/cycle, both effective 1 October 2026.
Pros
- • Strong ₹2 Crore air accident cover and ₹15 Lakh credit shield
- • 8 domestic + 8 international lounge visits per year
- • 24x7 Global Concierge Service
- • Free-for-lifetime add-on cards
Cons
- • High ₹7,999 joining and annual fee
- • Forex markup fee nearly doubling from 1 October 2026 (1.99% → 3.49%)
- • Domestic lounge access conditional on ₹50,000 prior-quarter spend
- • Fuel surcharge waiver dropping to max ₹100/cycle from 1 October 2026
Compare with Similar Cards
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- • Not shown as a distinct welcome benefit on the official page (only monthly milestone and birthday bonus disclosed)
- • Welcome e-gift voucher worth ₹5,000 across top luxury brands (Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual joining fee within 30 days
- • Fulfillment Timeline: Sent via SMS/Email within 15 days of fee realization
- • 10,000 bonus Reward Points (worth ₹2,500) upon payment of joining fee and spend of ₹30,000 within first 60 days of card setup
- • Qualification Criteria: Payment of joining fee and ₹30,000 spend within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
- • 5 Reward Points per ₹100 on Dining, International, Grocery & Departmental stores (capped at 5,000 points/statement cycle on dining)
- • 3 Reward Points per ₹100 on other merchant categories
- • 1 Reward Point per ₹100 on Insurance & Utility/Telecom (max 100 points per transaction)
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Accelerated Rewards: 5X Reward Points (10 RPs per ₹100) on Dining, Departmental stores and Grocery spends
- • Excluded Categories: Fuel, Wallet loads, Property tax and Govt payments
- • Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹20,000 per month & on birthday spends)
- • 10X Reward Points per ₹150 (10X Reward Points on all international online and POS transactions (Uncapped))
- • Accelerated Rewards: 0% Zero Forex Markup + 10X points on all international spends. 10X points on spends > ₹20,000/mo. 1 pt = ₹0.25, never expire with zero redemption charges.
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Strong ₹2 Crore air accident cover and ₹15 Lakh credit shield
- • 8 domestic + 8 international lounge visits per year
- • 24x7 Global Concierge Service
- • Free-for-lifetime add-on cards
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹20,000 per month & on birthday spends)
- • 10X Reward Points per ₹150 (10X Reward Points on all international online and POS transactions (Uncapped))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • High ₹7,999 joining and annual fee
- • Forex markup fee nearly doubling from 1 October 2026 (1.99% → 3.49%)
- • Domestic lounge access conditional on ₹50,000 prior-quarter spend
- • Fuel surcharge waiver dropping to max ₹100/cycle from 1 October 2026
- • Annual renewal fee of ₹4999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹5999
- • Reward exclusion on fuel purchases and wallet load transactions