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 Bank 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
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.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For AU Bank 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
AU Bank Zenith Credit Card Hilights
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.
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
Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
Frequently Asked Questions
Everything you need to know about this credit card
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
AU Small Finance Bank
Dining
Fuel
Reward Points
