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AU Small Finance Bank
AU Zenith Credit Card
Travel
Dining
Rewards
1st Year Fee: ₹7,999* Plus Applicable Taxes
Rewards
Up to 5 reward points for every Rs. 100
International Use
Low forex mark-up fee of 1.99%
Lounge Access
Up to 16 free airport lounge visits per year
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About AU Zenith Credit Card
AU Zenith Credit Card is a rewards card that offers multiple benefits across travel and shopping. It offers up to 5 rewards for every Rs. 100 spent, with a per-reward value of Rs. 0.25. This makes up to 1.25% value-back through rewards, however this rate is only applicable on select categories, like dining, grocery and international purchases. All other eligible spending categories earn a base value-back worth 0.75%. In addition to the reward program, this card offers bonus rewards as milestone benefit and travel-related features such as a low forex mark-up with complimentary airport and railway lounge access.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the AU Small Finance Bank’s website.
Also Check: Best Premium Credit Cards
Rewards Structure:
- 5 reward points for every Rs. 100 spent on dining at standalone restaurants, international transactions, groceries and departmental store purchases.
- 3 reward points for every Rs. 100 spent at other merchant categories.
- 1 reward point for every Rs. 100 spent on insurance, utility and telecom categories.
- 2,500 bonus reward points on completing one retail transaction on your birthday.
- Per reward value = Rs. 0.25
- Reward redemption options E-vouchers of top brands, Merchandise, Mobile/DTH recharges and Flight/Hotel bookings and much more
Also Check: Best Rewards Credit Cards
AU Zenith Credit Card - Other Features & Benefits:
- Milestone Benefits: 1,000 bonus reward points on spending min. Rs. 50,000 in a month.
- Forex Markup: Low forex mark-up fees of 1.99% on international transactions.
- Airport Lounge Access: 2 domestic lounge access per quarter within India on spending Rs. 20,000 in the previous quarter and 2 international lounge access per quarter at Priority Pass lounges.
- Railway Lounge Access: 2 lounge access per calendar quarter at railway stations for primary and add-on cardholders.
- 24 X 7 number at 1800 210 0298 (toll free) or 022-42320298 global concierge assistance.
- 1% fuel surcharge waiver for fuel transactions up to Rs. 1,000 per statement cycle
Also Check: Best Credit Cards in India
AU Zenith Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 7,999 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 7,999 + Applicable Taxes | ||||||||||||||||
| Late Payment Fees |
|
Things to Know Before you apply
Get this card if:
You frequently spend on dining at standalone restaurants.
You want accelerated reward rate credit card for your everyday spends.
You can spend up to Rs. 50,000 each month and can maximise the bonus milestone benefits.
You are willing to pay a high annual fee of Rs. 7,999.
Other Similar Credit Cards:
HDFC Bank Regalia Gold
Axis Bank Select
SBI Card Elite
Paisabazaar Review
What do we like about this card?
AU Zenith credit card offers a accelerated reward rate on major spending categories like dining, international transactions, grocery, and departmental stores. Additionally, frequent travelers can derive more benefits through complimentary airport and railway lounge access, low forex markup fees, and concierge service. Beyond these, card users, especially those who put maximum spends on the card, can benefit more with monthly milestone benefits as well.
Pros
- Accelerated returns on dining and grocery shopping without brand restrictions
- Low forex markup fee
- Railway lounge access benefits extended to add-on members
- Up to 12,000 reward points annually as milestone bonus
Cons
- High annual fee
- Limited benefits to other lifestyle categories
- Low reward redemption value
Frequently Asked Questions
Everything you need to know about this credit card
You can get the fee of Rs. 7,999 waived off on annual spends of Rs. 5 Lakh from the second year onwards. In the first year, it is waived on spending Rs. 1.25 Lakh on retail spends within 90 days of card setup.
Yes, a reward redemption fee of Rs. 99 is levied on each successful redemption
The general age eligibility requirements to avail the AU Zenith Credit Card are 25 to 65 years for self-employed and 21 to 60 years for salaried employees. In addition to this, the issuer considers your monthly income, credit score, and credit profile.
With the concierge service on your Zenith Credit Card, you can customize your travel, entertainment, and leisure experiences with services like travel bookings, golf sessions, or event planning. For more information, you can call at 1800-210-0298 (toll-free) or 022-42320298.
The annual fee on AU Zenith Credit Card is Rs. 7,999, plus applicable taxes.
AU Zenith credit card is a good choice for people who are high spenders and put maximum spends on the card, as that way they can maximize on the accelerated rewards, and annual and quarterly milestone benefits.
Footnotes
- Capping of 5,000 reward points in a statement cycle on dining spends.
- Exclusions from rewards program: Cash, rent, education & govt, EMI, fuel, BBPS, and quasi-cash transactions.
- Capping of 100 reward points per transaction on utility & telecom spends.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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