AU Bank Zenith Credit Card
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.
- Joining Fee₹7,999
- Annual Fee₹7,999
- Best Suited ForDining
- Reward TypeReward Points (points)
- 10 pts per ₹100 on dining groceries
- Base 0.44% on other spends
- Not applicable
AUsignaturepremiumRewards and Benefits
- ₹50,000 / monthly: Bonus 1,000 Reward Points on ₹50,000 retail spend in a statement cycle
- ₹0 / annual: Birthday bonus Reward Points
- air accident: ₹1,00,00,000
- purchase protection: ₹1,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
- Dining & food delivery₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹66/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹44/mo
- Utilities & bills₹5,000 · 0.4% = ₹22/mo
₹5,808 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
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
- 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.
- 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
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.