About AU Zenith Credit Card
AU Zenith Credit Card is a rewards card that offers benefits across travel credit cards and shopping credit cards categories. It provides up to 5 reward points per ₹100 spent, with each point valued at ₹0.25. This means you can earn up to 1.25% value-back on select categories like dining, grocery, and international spends, while other spends offer around 0.75% returns.
Along with rewards, the card also offers milestone bonuses and useful travel benefits like low forex mark-up, along with complimentary airport and railway lounge access. Overall, it is a good option for users looking for a balanced card with both shopping and travel benefits.
Also Read: Best AU Credit Cards
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 Zenith Credit Card Rewards Program
Rewards Structure
- Earn 5 reward points per ₹100 on dining, international spends, groceries and departmental stores
- Earn 3 reward points per ₹100 on other spends
- Earn 1 reward point per ₹100 on insurance, utility and telecom spends
- Get 2,500 bonus reward points on your birthday on at least one transaction
- 1 reward point = ₹0.25
Redemption
- Redeem points for e-vouchers, merchandise, mobile/DTH recharges, flights, hotel bookings and more
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Milestone Benefits
- Get 1,000 bonus reward points on monthly spends of ₹50,000
Lounge Access
- Get 2 domestic lounge visits per quarter on ₹20,000 quarterly spend
- Enjoy 2 international lounge visits per quarter via Priority Pass
- Get 2 railway lounge visits per quarter for primary and add-on cardholders
Also Check: Best Lounge Access Credit Cards
Forex Benefit
- Enjoy low forex mark-up fee of 1.99% on international spends
Concierge Service
- Access 24×7 concierge assistance for travel and bookings
Fuel Benefit
- Get 1% fuel surcharge waiver on fuel spends up to ₹1,000 per statement cycle
Also Read: Best Fuel Credit Cards
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| Cash advance fee | 2.5% of amount withdrawn, subject to a minimum of Rs.100 |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
|
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Document Required For AU 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
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Zenith Credit Card Highlights
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.
Things to Know Before you apply
Get this card if:
- You can spend around ₹50,000 every month to unlock milestone benefits
- You want higher rewards on your everyday spending
- You often dine out and want better rewards on restaurant spends
- You are comfortable paying a high annual fee of ₹7,999
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
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
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Frequently Asked Questions
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.
