The AU Small Finance Bank Zenith Credit Card is a versatile card that comes with a host of benefits for shopping, dining, and international expenses. With this card, you can enjoy welcome vouchers, earn reward points on your retail purchases, benefit from lower mark-up fees on international transactions, and earn accelerated rewards in specific spending categories. Additionally, the card offers milestone benefits, dedicated concierge services, and complimentary access to airport lounges and select railway stations.To apply for the AU Bank Zenith Credit Card, you can conveniently visit the AU Bank website or branch. Simply fill out the application form and submit the required documents as per the bank’s guidelines.


Welcome Benefits: Get INR 1,000 worth of vouchers on your first retail purchase at a point-of-sale terminal.

Earn Reward Points: Receive a bonus of 10,000 reward points when your retail spending reaches INR 1 lakh. Earn 5X reward points for every INR 100 spent on any category. Earn 10X reward points for every INR 100 spent on Grocery, International Payments, and Departmental stores. Earn 20X reward points for every INR 100 spent on dining at standalone restaurants.

Lower Fees on International Transactions: Enjoy a reduced cross-currency foreign mark-up fee of only 1.99% for international transactions.

Milestone Benefits:

Quarterly Milestones: Get vouchers worth INR 1,000 when you spend a minimum of INR 2 lakhs on retail purchases each quarter.

Yearly Milestones: Receive a complimentary Epicure membership when your spending reaches INR 8 lakhs or more within a Credit Card’s anniversary year.

Dedicated Concierge Services: Take advantage of our 24/7 Global Concierge Assistance for travel, entertainment, and leisure needs.

Complimentary Lounge Access: Enjoy free access to over 1,000 airport lounges, both domestic and international, using your Priority Pass. Get 2 complimentary lounge passes every quarter for selected railway stations in certain cities with the AU Banks Zenith Card.


Membership Fee: The joining/annual membership fee is INR 7,999 per year (excluding GST).

Cash Advance Charges: When you withdraw cash using your credit card, a fee of 2.5% of the withdrawn amount will be charged, with a minimum fee of INR 100.

Fuel Transaction Surcharge: You will receive a refund of 1% fuel surcharge for all fuel transactions made using the credit card.

Charges on Revolving Credit: If you choose to carry forward your credit card balance and make minimum payments, a monthly fee of 1.99% will apply.

Overlimit Charges: If you exceed your credit limit, you will be charged an over limit fee of 2.5% of the overlimit amount, with a minimum fee of INR 500.

Minimum Amount Due: You are required to pay either 5% of the total amount due or a minimum of INR 100, whichever is higher.

Outstation Cheque Processing Charges: For processing outstation cheques, there is a fee of INR 25.

EMI Conversion Charges: Converting a purchase to an EMI plan will incur a conversion charge of 1% of the converted amount, with a minimum fee of INR 99.

Late Payment Charges: Late payment charges vary based on the credit card bill amount and range from INR 100 to INR 1,100.


Any resident Indian who meets the following age criteria is eligible to apply:

Primary Cardholder: The primary cardholder must be between 21 and 60 years old.

Add-On Cardholder: The add-on cardholder must be at least 18 years old.

Related Post