AU Bank Zenith Credit Card
Updated 3 Jul 2026Source-linked
The AU Bank Zenith Credit Card is a premium credit card from AU Small Finance Bank, with a joining fee of ₹7,999 + GST.
It earns up to 10 pts per ₹100 (≈2.2% value) on dining groceries spends in the form of reward points (points).
Cardholders get 2 quarterly domestic airport lounge access.
AU Bank Zenith Credit Card
- Joining Fee₹7,999
- Annual Fee₹7,999
- Best Suited ForDining
- Reward TypeReward Points (points)
Rewards Rate
- 10 pts per ₹100 on dining groceries
- Base 0.44% on other spends
Welcome Benefits
- Not applicable
AUsignaturepremiumRewards and Benefits
Rewards Rate
10 pts per ₹100 on dining groceries
Base 0.44% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹50,000 / monthly: Bonus 1,000 Reward Points on ₹50,000 retail spend in a statement cycle
- ₹0 / annual: Birthday bonus Reward Points
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- air accident: ₹1,00,00,000
- purchase protection: ₹1,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- premium card issued by AU Small Finance Bank.
- Joining / annual fee of ₹7,999 + GST, waived on annual spends of ₹5,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly).
- Insurance cover bundled: air accident, purchase protection.
Pros & Cons
Pros
- Annual fee waivable on ₹5,00,000 spend.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary domestic airport lounge access (2/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- High annual fee of ₹7,999.
- No rewards on fuel spends.
Accelerated rewards
- 10 pts per ₹100 on dining groceries5X Reward Points on dining, groceries & select categories; 2 RP per ₹100 base.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹50,000 / monthly: Bonus 1,000 Reward Points on ₹50,000 retail spend in a statement cycle (≈ ₹250 value)
- ₹0 / annual: Birthday bonus Reward Points (≈ ₹250 value)
Airport lounge access
Domestic
2 visit(s) / quarterly. Via visa.
Insurance benefits
- air accident: ₹1,00,00,000
- purchase protection: ₹1,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹1,000 per monthly.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.