AU Bank Zenith Credit Card

  • Joining Fee: Rs. 7,999 + GST
  • Renewal Fee: Rs. 7,999 + GST
  • Best Suited For: Travel | Dining | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.
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AU Bank Zenith Credit Card is a premium credit card offered by AU Bank. The card is issued with an annual membership fee of Rs. 7,999. It comes packed with a plethora of best-in-class privileges that one expects from a premium credit card, such as attractive milestone benefits, complimentary domestic as well as international lounge access, comprehensive insurance cover, lower foreign currency markup, and many other premium benefits. Talking about the reward rate associated with the card, you get a very decent reward rate of 1.25% on regular spends and an accelerated reward rate on dining at standalone restaurants (4X), grocery and departmental store spends (2X), and international transactions (2X). Keep reading to know more about the Zenith Card by AU Bank.

New Features

Spend Based Waiver

Joining fee can be waived on spending of Rs. 1.25 lakh within 90 days of card activation, annual fee can also be waived on spending Rs. 5 lakh in the previous year

Interest Rates

1.99% per month (23.88% annually)

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waived off at all fuel pumps all over India (no max cap applicable)

Foreign Currency Markup

1.99% of the transaction amount

Cash Advance Charges

2.5% of the transaction amount (subject to a minimum charge of Rs. 100)

Movie & Dining

20 Reward Points for every Rs. 100 spent on dining at standalone restaurants


Reward Points can be redeemed for flight and hotel bookings on the AU Rewardz portal and complimentary access to IRCTC lounges.

International Lounge Access

2 every quarter with Priority Pass membership

Rewards Rate

20 Reward Points for every Rs. 100 spent on dining (reward rate = 5%), 10 Reward Points for every Rs. 100 spent on international purchases and grocery & departmental stores (reward rate = 2.5%) and 5 Reward Points for every Rs. 100 spent on all other spends except fuel (reward rate = 1.25%)



Insurance Benefits

Comprehensive insurance cover including lost card liability cover, Credit Shield, air accident cover, and multiple other travel-related insurance covers

Reward Redemption

Reward Points can be redeemed for merchandise, e-vouchers, mobile or DTH recharges, flight or hotel bookings on AU Rewardz portal, 1 RP = Rs. 0.25

Domestic Lounge Access

4 per quarter with Visa domestic lounge access program

Zero Liability Protection

The cardholder will not be held liable for any unauthorized transaction done with the card after reporting the loss of the card to the bank.


With this credit card, you can get airport and railway lounge access.  The foreign currency markup fee is low at 1.99% of the transaction amount.


This card comes at a high joining fee of Rs. 7,999 There are no golf and movie benefits provided with this card.

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