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AU Zenith is AU Small Finance Bank's flagship premium offering. 10X reward points on dining, luxury hotels, and international spends, complimentary airport lounge access, and a low 2% forex markup. Its ₹2,999 annual fee is waived at ₹3 lakh spend, making it accessible to upper-mid earners.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | cashback | 5% | — |
| International | cashback | 5% | — |
| Dining | cashback | 2% | — |
| Other | cashback | 1.50% | — |
Travel: 5% cashback on travel transactions
International: 5% cashback on international spends
Dining: 2% cashback on dining
Other: 1.5% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
4 domestic per quarter + 4 international via Priority Pass
24x7 concierge and lifestyle services
Bonus cashback voucher on ₹8L annual spend
Who is this card for?
- 💳Premium tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Travel (5% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓Strong rewards that can offset the annual fee for the right spender
- ✓Premium lifestyle perks (lounge, concierge, milestone benefits)
- ✓Lower forex markup, friendlier for international spend
👎 Cons
- ✕Annual fee applies unless the spend-based waiver is met
- ✕Higher income / eligibility bar
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
Frequently asked questions
What is the annual fee for the AU Zenith Credit Card?+
The annual fee is Rs 7999, which is waived on annual spends of Rs 800000.
What is the foreign currency markup?+
The forex markup is 2.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 100000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the AU Zenith Credit Card are taken from AU's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- ➕ Benefit addedEffective 15 Jan 2025
AU Zenith cardholders on the standard variant now receive 2 complimentary domestic airport lounge visits per quarter via Dreamfolks. Previously lounge access was available only on the Zenith+ variant.
2 complimentary domestic lounge visits per quarter added to mid-tier benefit set
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