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AU Bank Zenith Credit Card

The AU Bank Zenith Credit Card is a premium card with an annual fee of Rs. 7,999. It offers several high-end benefits like milestone rewards, free access to domestic and international airport lounges, travel insurance, and a lower foreign currency markup. The card is designed for those who want extra perks while spending on travel, dining, and shopping.

When it comes to rewards, it gives 1.25% back on regular spending and higher rates on specific categories—4X on dining at standalone restaurants, 2X on groceries and departmental stores, and 2X on international transactions. While it lacks golf and movie privileges, it still stands strong against competitors like HDFC Infinia, ICICI Emerald, SBI Aurum, and Axis Bank Magnus, which have slightly higher fees.

Credit Card Detail
Joining Fee
Rs. 7999.00 +GST
Renewal Fee
Rs. 7999.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
As a welcome gift, get a Zomato Pro Annual Membership after 5 retail transactions, a ₹1,000 voucher on your first transaction, and 10,000 bonus reward points on spending ₹1 lakh.
Rewards Rate
Earn reward points on every spend: 20 points per ₹100 on dining, 10 points per ₹100 on international, grocery, and departmental store purchases, and 5 points per ₹100 on all other spends except fuel.
Reward Redemption
Redeem reward points for merchandise, e-vouchers, recharges, flights, or hotel bookings on the AU Rewardz portal. 1 RP = ₹0.25.
Movie & Dining
Earn 20 reward points for every ₹100 spent at standalone restaurants.
Travel
Free access to railway lounges.
Golf
N/A
Domestic Lounge Access
Get 2 free lounge visits every quarter.
International Lounge Access
Get 2 free lounge visits every quarter with a Priority Pass membership.
Insurance Benefits
Get complete insurance coverage, including lost card protection, Credit Shield, air accident cover, and various travel insurance benefits.
Interest Rates
Interest rate of 3.59% per month or 43.08% per year.
Spend-Based Waiver
Spend ₹1.25 lakh within 90 days to waive the joining fee and ₹5 lakh in a year to waive the annual fee.
Rewards Redemption Fee
Nil
Cash Advance Charges
Charges are 2.5% of the transaction amount or ₹500, whichever is higher.
Foreign Currency Markup
1.99% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver at all fuel stations across India with no limit.
Card Details
  • Earn 10,000 bonus reward points by spending ₹1 lakh within the first 60 days.
  • Get 20 reward points per ₹100 spent on dining.
  • Enjoy 4 free domestic airport lounge visits every quarter.
  • Receive ₹1,000 worth of vouchers on spending ₹2 lakh in a quarter.
  • Get a complimentary Taj Epicure membership on spending ₹8 lakh in a year.
  • Earn 2,500 bonus points for a retail transaction on your birthday.
  • Benefit from a lower 1.99% foreign currency markup fee.
  • Access select domestic, international, and IRCTC lounges for free.
  • Waive the joining and annual fee based on spending.
  • Air accident cover of ₹2 crore.
Pros/Cons
Pros
- Enjoy free airport and railway lounge access, plus a low 1.99% foreign currency markup fee.
Cons
- The card has a high joining fee of ₹7,999 and does not offer golf or movie benefits.
Frequently Asked Questions

Is this card enabled for contactless payments?

Yes, you can use the AU Bank Zenith Credit Card for secure and contactless payments by simply tapping it at supported POS terminals. No PIN is required for transactions up to ₹5,000.

What is the interest-free period on this card?

The card offers an interest-free period of up to 50 days, depending on the billing cycle and transaction date.

How can I claim the insurance benefits associated with this card?

To avail of the insurance benefits, call AU Bank customer care at 180012001500 for assistance and claim processing.

Where can I send queries related to the AU Bank Zenith Credit Card?

For any concerns or questions, you can email creditcard.priority@aubank.in.

What finance charges apply to this credit card?

If you carry a balance or use revolving credit, a finance charge of 3.59% per month (equivalent to 43.08% annually) is applicable.

How can I apply for the AU Bank Zenith Credit Card?

You can apply online by clicking the "Apply Now" button and submitting the required documents, such as proof of address and income. Follow the instructions to complete the process.

Is railway lounge access included with this card?

Yes, the card provides 2 complimentary IRCTC railway lounge visits every quarter.

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