AU Zenith Credit Card - Features, Benefits, Fees & Charges

AU Bank Zenith Credit Card (3.7)

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If you're after a credit card that lets you travel in style while offering decent rewards, then the AU Zenith Credit Card is definitely worth checking out! It comes with a joining and annual fee of ₹7,999, where you'll get vouchers worth ₹1000 on the first transaction, reward rates between 1.25% to 5.5% on every purchase, free lounge access, bonus reward points on your birthday, insurance coverage and much more. Keep reading to know more about the Zenith Card by AU Bank. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • Vouchers worth ₹1000 on 1st POS retail transaction.
  • 10,000 Bonus Reward Points on completing retail spends worth ₹1 Lakh.

All above benefits are applicable on retail spends done within 60 days of card set up.

Reward Points
  • 20 Reward Points per ₹100 retail spends done on Dining at standalone restaurants.
  • 10 Reward Points per ₹100 retail spends done on International transactions, Grocery and Departmental stores.
  • 5 Reward Points per ₹100 retail spends done across all other merchant categories.
  • 1 Reward Point is equal to ₹0.25.
  • Reward Rate: 1.25% to 5.5%
Lounge Access

Airport Lounges

  • 4 free lounge access per calendar quarter within India, using your VISA Card.
  • Get free lounge access within and outside the country at 1,000+ airport lounges.
  • 2 free lounge access per calendar quarter, using Priority Pass at all participating lounges.

Railway Lounges

  • 2 free lounge access per calendar quarter, using VISA Card at railway stations.
  • Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.
Milestone Benefit
  • Get free Epicure membership when you spend ₹8 lakhs or more during your credit card's anniversary year.
  • Get vouchers worth ₹1,000 (from partner brands) when you spend a minimum of ₹2 lakh in one calendar quarter.
  • First-year fee is waived off when ₹1.25 lakh is spent within first 90 days.
  • Waiver of second-year fee on ₹5 lakh spends in the previous year.
Insurance Benefit
  • Air Accident Cover: ₹2 crore.
  • Credit Shield: Up to ₹15 lakh.
  • Purchase Protection: Up to ₹50,000.
Fuel Surcharge

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).

Interest-Free Period

Interest-free period up to 48 Days (Not applicable for cash withdrawal).

Concierge Services

Dedicated Concierge Services 24/7. Call- 1800 210 0298 (toll-free) or 022-42320298.

Other Benefit

Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 7,999

Annual Fee

₹ 7,999

Annual Percentage Rate

23.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

20%

Card Replacement Fee

₹100

Foreign Transaction Fee

1.99%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹ 0.25
Late Payment Charges

Balance below ₹ 100

Nil

Balance from ₹100 to ₹500

₹ 100

Balance from ₹500 to ₹5000

₹ 500

Balance from ₹5000 to ₹10000

₹ 700

Balance from ₹10000 to ₹20000

₹ 800

Balance from ₹20000 to ₹50000

₹ 900

Balance more than ₹50000

₹ 1100
Pros

Aspects that make this credit card amazing.

  1. Low foreign currency charges of 1.99%.
  2. Add-on cardholders can also get Airport and Railway lounge benefits.
  3. Dedicated concierge services.
  4. Air accident cover of ₹2 crore.
  5. 2500 reward points on completing one retail transaction on your birthday.
Cons

Aspects this credit card lacks.

  1. High joining and annual fee.
  2. No reward points on fuel transactions.
AU Bank Zenith Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3.5)

Customer Service

(3)

AU Bank Zenith Credit Card Review

The AU Bank Zenith Credit Card is a good option for those who are looking for a premium credit card with a high reward rate and a host of other benefits. The card offers many attractive features, including rewards on grocery spending, dining, international transaction, departmental stores and other merchant transactions. It also offers free access to airport lounge access, insurance cover and much more. However, the annual fee is relatively high, so you should only consider this card if you can afford it.

Overview

Best For

Travel, Dining and Shopping

Joining Fee

₹7,999 + applicable taxes

Annual Fee

₹7,999 + applicable taxes

Benefits

Rewards on shopping

Card Network

Visa

Reward Points on AU Bank Zenith Credit Card

Merchant Category Reward Points per ₹100 Spent
Dining at standalone restaurants 20
International purchases 10
Departmental and grocery stores 10
All other online and offline retail transactions (except fuel purchases) 5

Who should get Au Bank Zenith Credit Card?

The AU Bank Zenith Credit Card is a good choice for people who:

  • Spend a lot on dining, international purchases, and departmental and grocery store spends.
  • Want to earn a lot of reward points quickly.
  • Travel frequently and want access to airport lounges.
  • Want to have travel insurance.

However, it is important to note that the AU Bank Zenith Credit Card has an annual fee of Rs.7,999. If you do not spend enough to earn enough reward points to offset the annual fee, then the card may not be a good value for you.

How to apply for AU Bank Zenith Credit Card?

To apply for AU Bank Vetta Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose AU Small Finance Bank from the list.
Step 4: Choose AU Bank Zenith Credit Card and click on 'Apply Now' button.
Step 5: Provide the required consent and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required.

AU Bank Zenith Credit Card Eligibility

  • Age: 21 to 60 years.
  • Resident: Indian.
  • Income: Applicants must have a stable source of income to be eligible for this credit card.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
AU Small Finance Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

AU Small Finance Bank

AU Small Finance Bank Credit Card Customer Care Number:

1800 1200 1500

Email Support:

creditcard.support@aubank.in

AU Small Finance Bank Card Offers:

View Offers

Total Cards:

9,15,908
AU Small Finance Bank Credit Card News
03 Nov 2023, Friday
1. Ixigo has partnered with AU Small Finance Bank to launch a cobranded credit card to cater to the growing demand of travellers from smaller markets.

The ixigo-AU co-branded credit card enables customers to experience seamless travel across all travel verticals, including flights, trains, buses, and hotels. The co-branded credit card provides a range of exclusive benefits that cater to the requirements of both frequent and occasional travellers. It is specifically designed to address the evolving needs of modern travellers who seek flexibility, convenience, and value.


This co-branded card entitles travellers to discounts of up to 10% on flights, buses, and hotel bookings made through the ixigo platform. With its diverse offerings and advantages, this credit card presents itself as an ideal choice for customers who demand an all-in-one travel solution.

06 Oct 2023, Friday
2. Earn a 10% cashback on Amazon Great Indian Festival Sale and Flipkart Big Billion Days Sale when you make payments with AU Bank Credit Cards.

It's a good time to shop online and save some money!
AU Bank has introduced a festive season offer for cashback on Amazon and Flipkart. Customers using AU Bank Credit Cards can earn 10% cashback on purchases during the offer period, which runs from October 7th to October 12th, 2023. The minimum transaction amount to qualify for this offer is Rs. 5,000, and customers can earn up to Rs. 1,500 in cashback.

AU Bank is known for providing excellent deals and offers through its lifetime free credit cards. This offer is particularly advantageous for those planning to shop during the Big Billion Day Sale on Flipkart and the Great Indian Festival Sale on Amazon.

Note-
- The offer is not valid on AU Bank Corporate Cards.
- This offer is only valid on the following categories – Mobile Phones, Electronics, Furniture, Apparel, and Household Appliances.

AU Bank Zenith Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

When it comes to the card's reward rate, you receive a respectable 1.25% on regular purchases. Additionally, there are higher reward rates for dining at standalone restaurants (4X), as well as for grocery and departmental store purchases (2X), and international transactions (2X).

GST will be levied at the rate of 18 percent on fees and charges and interest rates applicable to your card.

Yes, you get an air accident cover with the Zenith Credit Card. 

With this credit card, you can get benefits such as 2X rewards on online purchases, welcome vouchers, railway and airport lounge access, fuel surcharge waiver, milestone benefits, and more. 

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