AU Bank Zenith Credit Card
Verified · August 26, 2026
5.0/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 spent on Dining (5% reward rate))
Overview
AU Bank Zenith Credit Card by AU Small Finance Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 spent on Dining (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 spent on International, Grocery, and Departmental stores)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all other retail transactions)
- • Accelerated Rewards: 20 Reward Points per ₹100 on dining (5% value). 10 Reward Points on international spends. 1 pt = ₹0.25 on flight/hotel bookings and e-vouchers.
- • Excluded Categories: Fuel, Rent, Wallet loads, Cash advance
Welcome Benefit
Luxury brand vouchers worth ₹5,000 upon retail spend of ₹1,00,000 within 60 days of card setup; Qualification Criteria: Min retail spend of ₹1,00,000 in first 60 days; Fulfillment Timeline: 45 days post criteria completion
Milestone Benefit
Spend ₹5 Lakhs (Annual): Annual renewal fee waiver of ₹7,999 + 10,000 bonus reward points; Spend ₹8 Lakhs (Annual): Additional 10,000 bonus reward points (worth ₹2,500); Annual Fee Waiver: Spend ₹5,00,000 or more in preceding card year for annual renewal fee waiver
Redemption
- • Flight & Hotel bookings via AU Rewardz portal at 1 pt = ₹0.25
- • E-vouchers and gift cards across leading brands
- • Merchandise catalog
Benefits
- Domestic Airport Lounge: 4 per quarter (16 visits per year) via Visa Infinite Domestic Lounge (Guest Access: Paid guest access)
- International Airport Lounge: 2 per quarter (8 visits per year) via Priority Pass via Priority Pass (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹1000 per month)
- Buy 1 Get 1 Free Movie Tickets: Buy 1 Get 1 free movie ticket on BookMyShow up to ₹500 (up to 4 free tickets per calendar quarter). (Up to ₹500 discount per ticket on BookMyShow) [Partners: BookMyShow]
- Complimentary Golf Rounds: 2 complimentary golf rounds or lessons per calendar quarter at premier golf clubs in India. (Bookable via AU concierge) [Partners: Golftripz]
- Comprehensive Air & Travel Insurance: Air accident cover of ₹2 Crore, baggage delay/loss cover, and purchase protection cover of ₹50,000. (Air accident cover ₹2 Cr, Loss of baggage $1,000) [Partners: HDFC ERGO]
Things to Know Before you apply
AU Bank Zenith Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried min ₹2,00,000/month or ITR ₹24,00,000+ p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹7,999 |
| Annual Fee | ₹7,999 |
| Foreign Currency Mark-up Fee | 1.99% |
| Cash Advance Fee | 2.5% of transaction amount (min ₹100) |
Fee waiver: Spend ₹5,00,000 or more in preceding card year for annual renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
AU Bank Zenith Credit Card issued by AU Small Finance Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 spent on Dining (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 spent on International, Grocery, and Departmental stores)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all other retail transactions)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹7999
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
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4.9/5
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Fee Details
Joining Fee
₹7,999
Annual/Renewal Fee
₹7,999
Joining Fee
₹4,999
Annual/Renewal Fee
₹4,999
Joining Fee
₹5,999
Annual/Renewal Fee
₹5,999
Welcome Benefit
- • Luxury brand vouchers worth ₹5,000 upon retail spend of ₹1,00,000 within 60 days of card setup
- • Qualification Criteria: Min retail spend of ₹1,00,000 in first 60 days
- • Fulfillment Timeline: 45 days post criteria completion
- • 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
Reward/Cashback Rate
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 spent on Dining (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 spent on International, Grocery, and Departmental stores)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all other retail transactions)
- • Accelerated Rewards: 20 Reward Points per ₹100 on dining (5% value). 10 Reward Points on international spends. 1 pt = ₹0.25 on flight/hotel bookings and e-vouchers.
- • Excluded Categories: Fuel, Rent, Wallet loads, Cash advance
- • 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
Pros
- • Base Rewards: 20 Reward Points per ₹100 (20 Reward Points per ₹100 spent on Dining (5% reward rate))
- • 10 Reward Points per ₹100 (10 Reward Points per ₹100 spent on International, Grocery, and Departmental stores)
- • 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all other retail transactions)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • 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
Cons
- • Annual renewal fee of ₹7999
- • Reward exclusion on fuel purchases and wallet load transactions
- • 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