AU Zenith Credit Card: Travel and Premium Benefits for 2025

Apply Now

Card Fees

₹7,999

Joining Fees

₹7,999

Annual Fees

1.99%

Foreign Transaction Fee

23.88%

APR

₹500

Over-limit Fee

Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

20,000

Minimum monthly income

750

Minimum Credit Score

Category

, , ,

Minimum Credit Score Required

750

Annual Charges

₹7,999

Features

  • Lounge Access Worldwide
  • Earn 2X Rewards on Travel
  • Premium Golf & Dining Offers

Welcome Offer

  • Bonus Reward Points on Activation
  • Complimentary Airport Lounge Passes
  • ₹1,000 Amazon Voucher on Signup

The AU Small Finance Bank Zenith Credit Card is a premium credit card that offers a wide range of exclusive benefits, making it an ideal choice for high spenders and frequent travelers. This card is designed to elevate your lifestyle, providing you with enhanced rewards, lounge access, travel benefits, and robust security features. With a focus on customer convenience and financial protection, it is tailored for individuals who seek more value and rewards from their credit card.

 

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  1. Premium Reward Program:
    • The Zenith Credit Card offers an excellent rewards structure that is tailored to suit your spending habits:
    • 20 Reward Points per ₹100 spent on dining at standalone restaurants.
    • 10 Reward Points per ₹100 on international transactions, departmental stores, and grocery purchases.
    • 5 Reward Points per ₹100 on other retail spends.
    • 1 Reward Point per ₹100 on insurance payments and utility/telecom payments. These rewards can accumulate quickly, especially if you frequently dine out or shop internationally.
  2. Travel Benefits:
    • For those who travel often, the AU Zenith Credit Card offers multiple perks:
      • Airport Lounge Access: Enjoy 2 complimentary visits to domestic airport lounges per quarter, and 2 visits to international lounges (via Priority Pass) every quarter.
      • Railway Station Lounge Access: 2 complimentary visits per calendar quarter for enhanced travel comfort. These benefits make it a fantastic choice for frequent flyers and those who travel long distances for work or leisure.
  3.  Comprehensive Protection Cover:
    • The Zenith Credit Card offers extensive protection that ensures financial security during emergencies and unplanned events:
    • Air Accident Cover: Up to ₹2 Crore coverage.
    • Card Liability Cover: Zero liability on fraudulent transactions when reported promptly.
    • Credit Shield: Protection up to ₹15 Lakhs, which can cover outstanding dues in case of a mishap.
    • Purchase Protection: Offers up to ₹50,000 in case of theft, damage, or accidental loss of goods purchased through the card. These covers provide peace of mind, especially when traveling or making big-ticket purchases.
  4.  Fuel Surcharge Waiver:
    • You can avail a 1% fuel surcharge waiver at all fuel stations, capped at ₹1,000 per statement cycle. This can lead to substantial savings, especially for individuals who regularly fuel their vehicles.
  5.  XpressEMI Feature:
    • The Zenith Credit Card offers an EMI facility, allowing you to convert any purchase above ₹2,000 into manageable EMIs with flexible tenures. This option helps in controlling your monthly expenses without having to worry about lump-sum payments.
  6.  Concierge Services:
    • 24/7 Concierge Assistance: The card provides global concierge services to help with travel bookings, entertainment arrangements, restaurant reservations, and other leisure activities, making it an excellent choice for individuals who value convenience and personalized services.
  7. Add-on Cards:
    • The Zenith Credit Card allows you to issue free add-on cards for your family members, enabling them to enjoy the same premium benefits. This makes it an ideal option for family-oriented users who want to extend credit access to others.
  8.  Security and Fraud Prevention:
    • The card offers advanced security features such as:
    • Chip and Pin technology for secure transactions.
    • Fraudulent transaction protection, ensuring that cardholders are not liable for unauthorized transactions if reported quickly.
    • Contactless payments for quick and secure transactions without the need for a PIN for smaller amounts.

Fees And Charges

Fee/Charge Amount
Annual Fee ₹7,999 + applicable taxes
Add-on Card Fee Nil
Interest Rate (Revolving Credit) 1.99% per month (23.88% annually)
Cash Withdrawal Fee 2.5% of the withdrawn amount or ₹500, whichever is higher
Late Payment Fee ₹100 to ₹1,300, depending on the outstanding amount
Overlimit Fee ₹500
Foreign Currency Mark-up Fee 1.99%

Pro and Cons:

Pros:

  1. High Rewards Earning Potential:
    • Earn 20 reward points per ₹100 on dining, 10 points per ₹100 on international spends, and 5 points per ₹100 on other retail purchases, which makes this card great for earning rewards on a variety of spending categories.
    • Airport and Railway Lounge Access:
  2. free domestic lounge visits per quarter and 2 international lounge visits via Priority Pass per quarter, making it a great option for frequent travelers who value comfort during their trips.
    • Complimentary railway station lounge access is a unique and valuable feature.
  3. Comprehensive Travel Insurance:
    • The card offers significant air accident cover up to ₹2 Crore, purchase protection up to ₹50,000, and zero liability on fraudulent transactions.
    • Credit Shield protection up to ₹15 Lakhs adds further security for emergencies.
  4. Fuel Surcharge Waiver:
    • Get a 1% waiver on fuel transactions across all stations, which can add up to substantial savings for those who travel long distances frequent
  5. XpressEMI Facility:
    • The option to convert purchases above ₹2,000 into easy EMIs allows flexibility in managing large purchases.
  6. 24/7 Concierge Services:
    • Global concierge services that assist with travel arrangements, restaurant reservations, and entertainment bookings, adding a high level of convenience.
  7. Add-on Cards for Family:
    • Free add-on cards for family members, allowing them to benefit from the same features.

Cons:

  1. High Annual Fee:
    • The annual fee of ₹7,999 can be considered high, especially for users who do not frequently use the card for travel or dining. However, the fee can be justified for those who utilize the premium benefits regularly.
  2. High Interest Rates:
    • The interest rate on revolving credit is 1.99% per month (23.88% annually), which is relatively higher than many other cards. Users should avoid carrying a balance if possible.
  3. Eligibility Criteria:
    • The card is designed for individuals with a good credit score and requires higher income levels to meet eligibility, which might exclude some potential applicants.
  4. Limited Benefits for Non-Travelers:
    • While it offers great travel benefits, if you’re not a frequent traveler or diner, some benefits like lounge access and international spending may not be as valuable, making the card less cost-effective for those who don’t use these perks.
  5. Cash Withdrawal Fee:
    • The 2.5% cash withdrawal fee (or ₹500) is high compared to other cards, making cash advances an expensive option.

How To Apply

Online Application:

  1. Visit the AU Small Finance Bank Zenith Credit Card page.
  2. Click on “Apply Now” and fill in the required details.

Offline Application:

  1. Visit the nearest AU Small Finance Bank branch.
  2. Submit the completed application form along with necessary documents.
  3. Documents Required:
    • Identity Proof: Aadhar Card, Passport, Voter ID, etc.
    • Address Proof: Utility bills, bank statements, etc.
    • Income Proof: Salary slips, bank statements, etc.
    • Photographs: Recent passport-sized photos.

Additional Information

Oops! Nothing to display right now.
  1. What is the AU Small Finance Bank Zenith Credit Card?
    • The AU Zenith Credit Card is a premium credit card offering extensive rewards, travel benefits, security covers, and concierge services. It’s designed for individuals who frequently travel, dine out, or spend on retail purchases.
  2. What are the benefits of the AU Zenith Credit Card?
    • High reward points: Earn up to 20 points per ₹100 on dining and 10 points per ₹100 on international transactions.
    • Complimentary lounge access: Enjoy access to domestic and international lounges.
    • Comprehensive insurance: Includes air accident cover up to ₹2 Crore and purchase protection.
    • Fuel surcharge waiver: Get a 1% waiver on fuel transactions.
    • XpressEMI: Convert large purchases into easy EMIs.
  3. What is the annual fee for the AU Zenith Credit Card?
    • The annual fee for the AU Zenith Credit Card is ₹7,999 plus applicable taxes.
  4. Can I get an add-on card with the AU Zenith Credit Card?
    • Yes, you can get free add-on cards for your family members, allowing them to enjoy the same benefits as the primary cardholder.
  5. What is the eligibility criteria for the AU Zenith Credit Card?
    • Primary Cardholder: Must be between 21 to 60 years of age and a resident Indian.
    • Add-on Cardholder: Must be 18 years or older.
    • A good credit score and stable income are generally required.
  6.  What rewards can I earn with the AU Zenith Credit Card?
    • 20 Reward Points per ₹100 on dining at standalone restaurants.
    • 10 Reward Points per ₹100 on international transactions.
    • 5 Reward Points per ₹100 on other retail spends.
    • 1 Reward Point per ₹100 on insurance, utility, and telecom payments.
  7. Is the AU Zenith Credit Card suitable for frequent travelers?
    • Yes, the card is highly beneficial for travelers. It offers complimentary lounge access at both domestic and international airports and railway station lounges, along with travel insurance covers.
  8. How do I apply for the AU Zenith Credit Card?
    • You can apply online by visiting the official AU Small Finance Bank website or mobile app.
      Alternatively, you can apply offline by visiting a nearby AU Small Finance Bank branch.
  9. What documents are required to apply for the AU Zenith Credit Card?
    • Identity Proof: Aadhar card, passport, voter ID, etc.
    • Address Proof: Utility bills, bank statements, etc.
    • Income Proof: Salary slips, bank statements, or income tax returns.
    • Photographs: Recent passport-sized photos.
  10. What is the interest rate for the AU Zenith Credit Card?
    • The interest rate on revolving credit is 1.99% per month (which is 23.88% annually).
  11. What is the cash withdrawal fee on the AU Zenith Credit Card?
    • The cash withdrawal fee is 2.5% of the withdrawn amount or ₹500, whichever is higher.
  12. Are there any foreign currency charges on the AU Zenith Credit Card?
    • Yes, the foreign currency mark-up fee is 1.99% on international transactions.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

Email : [email protected]

Quick Link

Credit Cards

Credit Cards by Provider

Weekly Newsletter

Get blog articles and offers via email

All Rights Reserved.

Code & Creativity by ConicPlex