Experience premium rewards and luxury travel benefits with India's most rewarding credit card
Up to 5% value-back on dining spends
Annual fee waived on ₹5,00,000 spends
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn up to 20 Reward Points per ₹100 spent on dining, international transactions, grocery, and departmental stores. Redeem at ₹0.25 per point for exceptional value. |
| Premium Travel Benefits | Enjoy 4 complimentary domestic airport lounge visits per quarter, 2 international lounge visits via Priority Pass, and 2 railway lounge visits per quarter. |
| Low Foreign Markup | Pay only 1.99% foreign currency markup on international transactions—significantly lower than the standard 3.5% charged by most cards. |
| Comprehensive Insurance | Benefit from ₹2 Crore air accident cover, ₹5 Lakh credit shield, ₹50,000 purchase protection, and zero liability on fraudulent transactions. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | AU Small Finance Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Travel & Rewards |
| Type of Card | Premium Credit Card |
| Free or Paid | ₹7,999 + GST Annually (waived on spends of ₹1,25,000 in first 90 days for 1st year; ₹5,00,000 annual spends for subsequent years) |
The AU Small Finance Bank ZENITH Credit Card is the perfect choice for affluent individuals who seek premium lifestyle benefits combined with exceptional reward rates. As AU Small Finance Bank's flagship offering, this card delivers outstanding value for high-spenders, frequent travellers, and those who prioritise dining, grocery shopping, and international transactions. With an industry-leading reward rate of up to 5% on dining spends, comprehensive travel insurance, complimentary lounge access across domestic and international airports, and exclusive milestone benefits including Taj Epicure membership, the Zenith card transforms everyday spending into meaningful rewards whilst providing the premium privileges you deserve.
Premium Rewards Programme: The Zenith card offers one of the most generous reward structures in India. Earn 20 Reward Points per ₹100 on dining at standalone restaurants (5% value-back), 10 Reward Points per ₹100 on international transactions, grocery, and departmental stores (2.5% value-back), 5 Reward Points per ₹100 on all other retail spends (1.25% value-back), and 1 Reward Point per ₹100 on insurance, utility, and telecom categories (0.25% value-back). Each Reward Point redeems at ₹0.25, making this card exceptionally rewarding for regular spenders.
Exclusive Welcome Benefits: Kickstart your premium journey with ₹1,000 worth of vouchers from top brands on your first POS retail transaction, 10,000 Bonus Reward Points (worth ₹2,500) when you spend ₹1 Lakh within 60 days of card setup, and complimentary Zomato Pro Annual Membership after completing 5 retail transactions. These benefits alone offset a significant portion of the annual fee.
Milestone Rewards: Earn quarterly vouchers worth ₹1,000 from partner brands when you spend a minimum of ₹2 Lakh in a calendar quarter. Additionally, achieve retail spends of ₹8 Lakh in your card anniversary year to unlock complimentary Taj Epicure Membership, offering exclusive discounts on dining, spa treatments, and room bookings at Taj Hotels nationwide.
Travel & Lounge Access: Access over 1,000 airport lounges worldwide with 4 complimentary domestic airport lounge visits every calendar quarter (16 visits per year), 2 complimentary international lounge visits per quarter via Priority Pass (8 visits per year), and 2 complimentary railway lounge access per calendar quarter through IRCTC partnership. Spend ₹20,000 in a quarter to unlock domestic lounge benefits.
Global Concierge Services: Enjoy 24×7 personalised assistance with flight and hotel bookings, golf sessions, dining reservations, anniversary planning, and entertainment arrangements through dedicated concierge services at 1800 210 0298 (toll-free) or 022-42320298.
Competitive Foreign Markup: Benefit from a foreign currency markup fee of just 1.99%—nearly half the industry standard of 3.5%—making international shopping and travel significantly more economical.
Flexible EMI Options: Convert transactions of ₹2,000 or more into easy EMIs through multiple channels including WhatsApp Banking (8383838399), customer care (1800 1200 1500), or online banking. Club up to 20 billed or unbilled transactions together for conversion.
Contactless Payments: Make secure, quick payments by simply tapping your card at participating merchants for transactions up to ₹5,000 without entering your PIN.
Important Note on Reward Changes: Effective 1st January 2026, the reward structure has been revised. The new structure offers 5 Reward Points per ₹100 on dining at standalone restaurants, international transactions, grocery, and departmental stores; 3 Reward Points per ₹100 on all other merchant categories; and 1 Reward Point per ₹100 on insurance, utility, and telecom categories.
The Zenith card's combination of high reward rates, premium travel benefits, comprehensive insurance coverage, and exclusive lifestyle privileges makes it an exceptional choice for those who seek to maximise value from their credit card spending whilst enjoying elite banking services.
20 Reward Points per ₹100 on Dining (5% Value-Back)
Earn an exceptional 20 Reward Points for every ₹100 spent on dining at standalone restaurants, translating to 5% value-back when redeemed at ₹0.25 per point. This industry-leading reward rate makes the Zenith card ideal for food enthusiasts. Maximum 5,000 Reward Points can be earned per statement cycle on dining spends (capping at ₹25,000 spend).
Note: From 1st January 2026, dining rewards will be 5 Reward Points per ₹100 (1.25% value-back).
10 Reward Points per ₹100 on Select Categories (2.5% Value-Back)
Earn 10 Reward Points for every ₹100 spent on international transactions, grocery purchases, and departmental store shopping. This accelerated rate provides 2.5% value-back on essential and international spends.
Note: From 1st January 2026, these categories will earn 5 Reward Points per ₹100 (1.25% value-back).
5 Reward Points per ₹100 on Other Spends (1.25% Value-Back)
Earn 5 Reward Points for every ₹100 on all other retail purchases across merchant categories, providing consistent 1.25% value-back on general spending.
Note: From 1st January 2026, other categories will earn 3 Reward Points per ₹100 (0.75% value-back).
1 Reward Point per ₹100 on Utilities (0.25% Value-Back)
Earn 1 Reward Point per ₹100 on insurance, utility, and telecom transactions. Maximum 100 Reward Points per transaction and capped to transaction amounts of ₹10,000.
Birthday Bonus
Earn 2,500 Bonus Reward Points (worth ₹625) on completing one successful retail transaction on your birthday—a special celebration reward.
Earning Caps and Exclusions
Maximum 25,000 Reward Points can be earned in a statement cycle across all categories
Maximum 5,000 Reward Points on dining spends per statement cycle
No Reward Points on fuel purchases, rent payments, education fees, government transactions, cash advances, EMI transactions, BBPS payments, and quasi-cash transactions
Reward Points capped to ₹10,000 transaction amount for utility, insurance, and telecom spends
Redemption Value: 1 Reward Point = ₹0.25
The Reward Points earned can be redeemed through the AU Rewardz portal in multiple ways:
E-Vouchers
Redeem Reward Points for e-vouchers from top brands including Amazon, Flipkart, and various lifestyle brands. This offers flexibility and immediate value.
Travel Bookings
Use Reward Points for flight and hotel bookings on the AU Rewardz portal, making your travel more affordable.
Merchandise
Exchange Reward Points for products from the rewards catalogue, though vouchers and travel typically offer better value.
Mobile/DTH Recharges
Redeem points for mobile or DTH recharges for everyday utility.
Conversion to CV Points
Convert Reward Points to Club Vistara Points for airline redemptions.
Redemption Fee: ₹99 per redemption request (applicable on physical redemption form submissions).
₹1,000 Brand Vouchers
Receive vouchers worth ₹1,000 from top brands on your first POS retail transaction within 60 days of card setup. Choose from leading lifestyle and retail brands.
10,000 Bonus Reward Points
Earn 10,000 Bonus Reward Points (worth ₹2,500) on completing retail spends of ₹1 Lakh within 60 days of card setup. This substantial bonus accelerates your rewards journey.
Zomato Pro Annual Membership
Receive complimentary Zomato Pro Annual Membership on completing 5 retail transactions with your Zenith Credit Card, offering dining discounts and benefits throughout the year.
Note: All welcome benefits are applicable only on retail transactions made within the first 60 days of card setup. Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.
Quarterly Milestone
Earn vouchers worth ₹1,000 from partner brands on a minimum retail spend of ₹2 Lakh in a calendar quarter. This recurring benefit rewards consistent high spending.
Annual Milestone - Taj Epicure Membership
Achieve retail spends of ₹8 Lakh in your card anniversary year to unlock complimentary Taj Epicure Membership. This premium membership provides:
25% discount on food and beverages (dining and takeaway) at participating Taj Hotels
Exclusive discounts on spa treatments at Jiva Spas across Taj properties
Special discount vouchers for room and suite bookings at participating Taj Hotels
Access to exclusive Taj experiences and events
This membership alone can provide substantial value for those who frequently dine or stay at Taj Hotels.
Domestic Airport Lounge Access
Enjoy 4 complimentary domestic airport lounge visits every calendar quarter (16 visits per year) through the Visa domestic lounge programme. Access requires minimum spending of ₹20,000 in the previous quarter.
International Airport Lounge Access
Receive 2 complimentary international airport lounge visits per calendar quarter (8 visits per year) through Priority Pass membership. Access over 1,000 lounges worldwide.
Railway Lounge Access
Access 2 complimentary railway lounge visits per calendar quarter through IRCTC partnership. Add-on cardholders can also enjoy railway lounge benefits within the complimentary visit limit.
Note: Add-on cardholders can enjoy these lounge benefits, but visits count towards the primary cardholder's quota.
Access 24×7 dedicated concierge assistance for:
Flight and hotel bookings
Golf session arrangements
Dining reservations and anniversary planning
Entertainment and event bookings
Personalised travel, entertainment, and leisure experiences
Contact: 1800 210 0298 (toll-free) or 022-42320298
Fuel Surcharge Waiver
Enjoy 1% fuel surcharge waiver at all petrol stations across India (maximum ₹1,000 per statement cycle).
Important: Effective 17th November 2025, fuel surcharge waiver is applicable only for fuel transactions between ₹400 and ₹5,000. GST on fuel surcharge will not be reversed.
₹2 Crore air accident insurance cover providing comprehensive protection during air travel.
Lost Card Liability Cover
Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank. Protected against card counterfeit, skimming, and online fraud.
Credit Shield
Up to ₹5 Lakh credit shield coverage providing financial protection.
Purchase Protection
₹50,000 purchase protection on items bought using your Zenith Credit Card.
Travel-Related Covers
Comprehensive coverage for:
Baggage loss
Baggage delay
Flight delay
Loss of passport
Plane hijacking
To Claim: Call AU Bank customer care at 1800 1200 1500 for insurance benefit claims.
Up to 50 Days: Enjoy up to 50 days of interest-free credit from the date of purchase, allowing you to manage cash flow efficiently.
Use your Zenith Card to make quick, secure, and easy payments by simply tapping the card at participating merchants without entering your PIN for transactions up to ₹5,000.
Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI. Club up to 20 billed or unbilled transactions together for conversion through:
WhatsApp Banking: Send "Hi" to AU Bank's official WhatsApp (8383838399)
Customer Care: Call 1800 1200 1500 for instant conversion
Net Banking or Mobile Banking
Choose your preferred repayment tenure for maximum flexibility.
Offer Zenith Credit Card benefits to your loved ones through add-on cards at ₹2,999 + GST per annum.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹7,999 + GST (~₹9,439) | One-time charge when the card is issued. |
| Annual Fee | ₹7,999 + GST (~₹9,439) | Charged every year. Waived on retail spends of ₹1,25,000 within 90 days of card setup (1st year); ₹5,00,000 in previous card anniversary year (2nd year onwards). |
| Add-On Card Fee | ₹2,999 + GST (~₹3,539) | Charged annually for each add-on card. |
| Interest Rate (APR) | 3.75% per month (45% annually) | Applicable on outstanding balances and revolving credit. |
| Foreign Currency Markup | 1.99% | Significantly lower than the industry standard of 3.5%. Applicable on all international transactions. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Charged on cash withdrawals. Minimum ₹100. |
| Cash Advance Limit | As indicated on statement | Part of overall credit limit; varies by cardholder. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹500) | Charged when spending exceeds credit limit. |
| Payment Return Charges | ₹500 | Charged when payment cheque, ECS, NACH, or Autopay is returned/dishonoured. |
| Late Payment Charges | ₹0 to ₹1,100 | Varies based on outstanding amount. |
| Reward Redemption Fee | ₹99 per redemption | Applicable on physical redemption form submissions. |
| Railway Ticket Purchase Fee | As prescribed by IRCTC | Charges as levied by Indian Railways/IRCTC. |
| Card Reissuance Fee | ₹100 | Charged for lost, stolen, or damaged card replacement. |
| Xpress Loan Processing Fee | 2% of loan amount | Applicable on XpressEMI loan processing. |
| Xpress Loan Preclosure Charges | 3% of balance principal | Charged for early loan closure. |
| Balance Transfer Processing | 1% of transfer amount (minimum ₹250) | Applicable on balance transfer requests. |
| EMI Conversion Charges | 1% (minimum ₹99 + GST) for XpressEMI; ₹199 + GST for Instant EMI | Charged for EMI conversion. |
| Card Validation Charges (Lounges) | ₹2 | Applicable when using lounges. |
| Priority Pass Lounge Charges | $27 + taxes | Charged for all visits within India beyond complimentary quota. |
| GST | 18% | Applicable on all fees, interest, and charges mentioned above. |
| Criteria | Details |
|---|---|
Age | Primary cardholder: 21 to 60 years (salaried); 25 to 65 years (self-employed) |
Add-On Cardholder Age | Above 18 years |
Citizenship | Must be a Resident of India |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
Income | Stable source of income required (salaried or self-employed); minimum monthly income typically ₹2.5 Lakh or above |
Employment | Salaried or self-employed with regular income |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Valid Passport with photograph & signature, Aadhaar Card or proof of possession of Aadhaar, Driving Licence (handwritten/laminated) issued by Regional Transport Authority, Voter's Identity Card issued by Election Commission of India, Job Card issued by NREGA (duly signed by State Government official), Overseas Citizen of India Card, Person of Indian Origin Card, or any other government-approved photo ID proof |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter's Identity Card, Utility Bill (not more than 3 months old), Ration Card, Property Registration Document, Person of Indian Origin Card, Job Card issued by NREGA, Bank Account Statement, or any other government-approved address proof |
| Income Proof | For Salaried: Latest one or two salary slips (not more than 3 months old), latest Form 16, last 3 months' bank statement. For Self-Employed: ITR copy, bank statements showing business income, financial statements |
| PAN Card | Mandatory for credit card issuance |
Step 1: Click on Apply Now - Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details - Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Step 3: Upload Required Documents - Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Step 4: Submit Your Application - Carefully review all the details you've entered for accuracy and click the Submit button.
Step 5: Approval & Card Delivery - Once your application is approved after verification, your AU Small Finance Bank ZENITH Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Dining Rewards | Use the card for all dining expenses at standalone restaurants to earn 20 Reward Points per ₹100 (5% value-back). Track the 5,000 points monthly cap to optimise earnings. |
Leverage International Benefits | Take advantage of the low 1.99% foreign currency markup for all international purchases and travel, saving significantly compared to cards with 3.5% markup. |
Plan Grocery Shopping | Use the Zenith card for grocery and departmental store purchases to earn 10 Reward Points per ₹100 (2.5% value-back). |
Track Quarterly Milestones | Aim for ₹2 Lakh spending per quarter to earn ₹1,000 vouchers consistently. Monitor your progress monthly. |
Unlock Annual Milestone | Target ₹8 Lakh in retail spends during your card anniversary year to receive complimentary Taj Epicure Membership, offering substantial dining and hotel benefits. |
Utilise Lounge Access | Ensure you spend ₹20,000 per quarter to unlock 4 complimentary domestic lounge visits. Plan international travel to maximise 2 Priority Pass visits per quarter. |
Redeem Strategically | Accumulate significant Reward Points before redemption to offset the ₹99 redemption fee. Consider travel bookings or vouchers for best value at ₹0.25 per point. |
Use Concierge Services | Don't hesitate to call the 24×7 concierge at 1800 210 0298 for travel bookings, dining reservations, golf sessions, or event planning. |
Convert High-Value Purchases to EMI | For purchases above ₹2,000, consider converting to EMI through WhatsApp (8383838399) or customer care to manage cash flow. |
Set Up Auto-Pay | Enable auto-pay for full payment to avoid interest charges and maintain excellent credit history whilst enjoying the full 50-day interest-free period. |
Maintain Spend Threshold | Ensure ₹5 Lakh annual retail spends to waive the renewal fee from the 2nd year onwards, maximising value. |
Contactless for Speed | Use contactless payments for transactions up to ₹5,000 for quick, secure purchases without PIN entry. |
Birthday Transaction | Make at least one retail transaction on your birthday to earn 2,500 Bonus Reward Points (₹625 value). |
Claim Welcome Benefits | Complete 5 retail transactions early to unlock Zomato Pro Membership, and aim for ₹1 Lakh spending within 60 days to earn 10,000 Bonus Points. |
The AU Small Finance Bank ZENITH Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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