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AU Bank Zenith Credit Card

AU Zenith Credit Card is the most expensive credit card of AU Small Fianance Bank. It offers a variety of perks and offers including top name vouchers, bonus reward points, low currency marking fees, free airport and train access and more. This card is perfect for those looking for travel rewards and benefits.

Key Highlights of AU Bank Zenith Credit Card

Following are the key highlights of the AU Bank Zenith Credit Card:

Annual card membership fee Rs. 7,999 + applicable taxes
EMI conversion facility Available on transactions above Rs. 2,000
Suitable for Rewards and dining
Age 21 to 60 years

Features and Benefits of AU Bank Zenith Credit Card

Offers for First-Time Card Holders

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.

Accelerated Rewards Program

  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.
  • 5 reward points on spending every Rs. 100 across all other merchant categories.
  • Fuel transactions are excluded from earning reward points.

Bonus Reward Points

  • Choose from vouchers worth Rs. 1,000 of top brands on retail spends of Rs. 2 Lakhs or more per calendar quarter. 
  • Complimentary Epicure Membership on retail spends of Rs. 8 Lakhs or more in a card anniversary year. 
  • 2,500 bonus reward points on one retail transaction done on your birthday.

Lower International Markup Fee

  • Lower cross-currency foreign markup fee of 1.99% on international transactions.

Complimentary Lounge Access

  • Complimentary lounge access within and outside India at 1,000+ airport lounges.
  • 2 complimentary access at all participating lounges each calendar quarter with Priority Pass. 
  • 4 complimentary lounge access each calendar quarter in India with VISA cards. 
  • 2 complimentary lounge access each calendar quarter with VISA cards at railway stations in New Delhi, Ahmedabad, Kolkata (Sealdah), Jaipur, and Agra. 
  • Complimentary airport and railway lounge access are also available to add-on cardholders within the mentioned complimentary number of visits.

Dedicated Concierge Services

  • Global Concierge Assistance for booking your travel, arranging a golf session, planning a perfect anniversary dinner, and so on. Call on 24x7 toll-free number at 1800 210 0298 or 022-42320298.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver. 
  • Valid for fuel transactions up to Rs. 1,000 per statement cycle done across all fuel stations in India.

Comprehensive Protection Cover

  • Rs. 2 Crores worth Air Accident Cover.
  • Credit Shield of up to Rs. 15 Lakhs.
  • Purchase Protection of up to Rs. 50,000.
  • Credit Liability Cover in the event of credit card loss. Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
  • Cover for baggage loss/delay, flight delay, loss of passport, and plane hijack.

Contactless Card Usage

Use your AU Zenith Card to make quick, secure and easy payments by just tapping your card and paying at participating merchants without entering the credit card PIN for amounts up to Rs. 5,000.


  • Convert transactions worth Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 

Annual Card Membership Fee 

  • Rs. 7,999 + applicable taxes. This fee is waived on retail spends of Rs. 5,00,000 done in the previous card anniversary year.

AU Bank Zenith Credit Card Fees & Charges

Following are the fees and charges associated with AU Small Finance Bank Zenith Credit Card:

  • Annual membership fee: Rs. 7,999 + applicable taxes. 
  • Cash advance fee: 2.5% (minimum Rs. 100).
  • Charges on revolving credit: 1.99% per month (23.88% annually). 
  • Foreign currency transactions: 1.99%.
  • Late payment charges: Rs. 0 to Rs. 1,100.
  • Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
  • Cheque, ECS/NACH, Autopay return charges: Rs. 500.
  • Loan processing fee 1% (minimum Rs. 500). 
  • Loan preclosure charge: 3% of the principal outstanding.
  • Balance Transfer/BT on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
  • EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI and Rs. 199 + GST for Instant EMI.
  • Card validation charges (lounges): Rs. 2.
  • Priority Pass lounge charges: $27 + taxes for all visits within India. 
  • Reissuance of lost/ stolen/ damaged card: Rs. 100.
  • Duplicated physical statement request charges: Rs. 100.
  • Outstation cheque processing charges: Rs. 25.
  • Goods and Services Tax (GST): 18% applicable on all above-mentioned fees, interest & charges.

AU Bank Zenith Credit Card Eligibility

To apply for this credit card, you must meet the following AU Bank Zenith credit card eligibility criteria: 

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

AU Bank Zenith Credit Card Documents Required

If you wish to apply for a Zenith credit card, you must have the following documents ready:

  • Address proof like Passport, Aadhaar Card, Utility Bills, Voter ID, Ration Card, etc.
  • Identity proof like Passport, Aadhaar Card, Driving License, etc.
  • Income proof such as Form 16, Income Tax Returns, and recent Salary Slips.

How to Apply for AU Bank Zenith Credit Card?

  • Visit the official website of the AU Small Finance Bank and click on the ‘Credit Cards’ mentioned under the ‘Cards’ section.
  • Click on the ‘Zenith Credit Card’ option.
  • Click on the ‘Apply Now button’.
  • Fill up the online application form.
  • An AU Bank representative will call you to verify the details and proceed with your application.

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