AU Small Finance BankAU 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.
Top Category Performance
Premium Privileges (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 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
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 Eligibility
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 2 Sept 2026
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