AU Zenith Credit Card
The AU Zenith Credit Card is a premium lifestyle card offering accelerated rewards on dining, groceries, and international spends, along with complimentary airport lounge access, concierge services, and low forex markup.
Premium Privileges Fit Score
88/100
Joining Fee
₹7,999
Annual Fee
₹7,999
Reward Rate (%)
0.75 – 1.25
3 pts/₹100 · ₹0.25/pt
Forex Markup
1.99%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
20/35
Fee Value & ROI
12/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
AU Zenith Credit Card Benefits
AU Zenith Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.75% – 1.25%
Earn rate
3
Points / ₹100
₹0.25
Per point
₹6,250
Monthly cap
AU Zenith Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
AU Zenith Credit Card has a joining fee of ₹7,999 and an annual fee of ₹7,999, waived when you spend ₹5,00,000 or more in a year.
AU Zenith earns 5 RP/₹100 (1.25%) on dining, grocery, departmental stores and international spends; 3 RP/₹100 (0.75%) on standard eligible spends; and 1 RP/₹100 (0.25%) on utility/telecom and insurance. The overall cap is 25,000 RP per statement cycle = ₹6,250 at ₹0.25/RP.
AU Zenith Credit Card Lounge Access
Airport perks included with this card
AU Zenith Credit Card offers 2 complimentary domestic airport lounge visits per quarter and 8 international lounge visits per year. Spend conditions apply, as detailed below.
2 per quarter
Domestic lounge visits
8 per year
International lounge visits
Priority Pass
Included with this card
Things to Keep in Mind
- EMI transactions
- Fuel transactions
- Cash withdrawals
- Quasi-cash transactions
- Joining fee
- Annual fee
- Other fees and charges levied on the card
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹41,667/mo (₹5,00,004/yr), your ₹7,999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
AU Zenith Credit Card FAQs
What is the annual fee for AU Zenith Credit Card?
The annual fee for AU Zenith Credit Card is ₹7,999. The fee is waived on annual spend above ₹5,00,000.
What is the joining fee for AU Zenith Credit Card?
The one-time joining fee for AU Zenith Credit Card is ₹7,999.
What are the rewards and benefits of AU Zenith Credit Card?
AU Zenith Credit Card earns points rewards. Reward rate ranges from 0.75% to 1.25%. You earn 3 points per ₹100 spent.
What lounge access benefits does AU Zenith Credit Card provide?
AU Zenith Credit Card provides 2 domestic lounge visits per quarter and 8 international lounge visits per year.
What welcome and milestone benefits does the AU Zenith Credit Card offer?
1,000 bonus Reward Points on ₹50,000+ retail spends in a statement cycle. 2,500 bonus Reward Points on birthday.
How do you earn rewards with the AU Zenith Credit Card?
5 Reward Points/₹100 on dining, grocery, departmental stores and international spends (up to ~1.25% value). 3 Reward Points/₹100 on most other eligible retail spends (up to ~0.75% value).
What are the exclusions and limits on the AU Zenith Credit Card?
The AU Zenith Credit Card does not earn rewards on EMI transactions, fuel transactions, cash withdrawals, quasi-cash transactions, joining fee and annual fee. Other fees and charges levied on the card.
Is the AU Zenith Credit Card worth its annual fee?
The annual fee is ₹7,999, waived when you spend ₹5,00,000 or more in a year. At the 0.75% base reward rate, rewards alone cover the fee at about ₹10,65,000 of yearly spend. Spends in bonus categories earn up to 1.25% and get there sooner, within their caps.
AU Zenith Credit Card Eligibility
To apply for AU Zenith Credit Card you need to be aged 21 to 65.
Employment type
Pros & Cons
- Strong 1.99% forex markup for international spending
- Up to ~1.25% reward value on dining, grocery and international spends
- Both domestic and international airport lounge benefits
- ₹50,000 monthly spend can earn 1,000 additional Reward Points
- Generous 2,500 Reward Point birthday benefit
- High ₹1,000 fuel-surcharge-waiver cap
- Useful for frequent international travellers who can utilise Priority Pass and low forex markup
- Very high ₹7,999 + taxes annual fee if waiver conditions are not met
- Requires ₹5 lakh annual retail spends for renewal-fee waiver
- Domestic lounge access requires ₹50,000 spend in the preceding calendar quarter
- Base reward value is only ~0.75% on most regular spends
- Reward Points are worth ₹0.25 normally and ₹0.20 for e-vouchers, reducing effective returns
- Priority Pass usage at Indian lounges is chargeable at $35 + taxes per visit
- No Reward Points on fuel, cash withdrawals and several excluded transaction categories
- Older quarterly voucher and Taj Epicure milestone benefits were discontinued from 1 January 2026
Who is this card for?
Individuals seeking premium lifestyle benefits, travel perks, and high rewards on dining and international spends.
Quick Links
Data last updated 10 Oct 2026
Calculate your exact earnings with AU Zenith Credit Card
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