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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.

AU Bank Zenith Credit Card
(4.5/5)

Joining Fee

Rs. 7,999 + GST

Renewal Fee

Rs. 7,999 + GST

Best Suited For

Travel | Dining | Shopping |

Reward Type

Reward Points

Welcome Benefits

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.

Movie & Dining

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

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%)

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

Travel

Complimentary Railway Lounge Access

Domestic Lounge Access

2 Free Lounge Visits Each Quarter

International Lounge Access

2 every quarter with Priority Pass membership

Golf

N/A

Insurance Benefits

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

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

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

1.99% of the transaction amount

Interest Rates

3.59% per month (43.08% annually)

Fuel Surcharge

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

Cash Advance Charges

2.5% of the transaction amount, or Rs. 500, whichever is higher

  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.

Pros

  • 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.

Cons

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

AU Bank Zenith Credit Card Rewards

  • 20 Reward Points for every Rs. 100 spent on dining at standalone restaurants (maximum 5,000 reward points in a statement cycle).
  • 10 Reward Points for every Rs. 100 spent on international purchases and departmental and grocery store spends.
  • 5 Reward Points for every Rs. 100 spent on all other online and offline retail transactions (except fuel purchases).
  • 1 Reward Point per ₹100 for all insurance spends.
  • 1 Reward Point per ₹100 for Utility & Telecom transactions. Reward Points will be capped to transaction amount of Rs. 10,000 & Cardholders can earn a maximum of 100 Reward Points per transaction.
  • No Reward Points toward fuel purchases, rent, education, and government transactions.
  • A maximum of 25,000 points can be earned in a statement cycle.

Reward Redemption

Redeem the reward points that you earn with the AU Zenith card on the AU Rewardz portal against:

  • E-vouchers from top brands
  • Mobile/DTH recharges
  • Merchandise
  • Flight/hotel bookings

1 RP = Rs. 0.25

AU Bank Zenith Credit Card Features & Benefits

Welcome Benefits

  • Shopping vouchers that are worth Rs. 1,000 from top labels on making the first POS transaction within 60 days of card issuance.
  • 10,000 Bonus RPs if you spend Rs. 1 lakh within sixty days of card activation.

Milestone Benefits

  • Shopping vouchers worth Rs. 1,000 from top brands on retail spends of Rs. 2 lakh quarterly.
  • Complimentary Taj Epicure membership on retail spends of Rs. 8 lakh in a year.

AU Bank Zenith Credit Card Annual Fee Waiver

  • Get a waiver on the joining fee for spending Rs. 1.25 lakh within 90 days after activation.
  • If you spend Rs. 5 lakh in the previous year, get a waiver on the annual fee.

Birthday Benefit

2,500 Bonus RPs on performing 1 successful retail purchase on your birthday.

AU Bank Zenith Credit Card Travel Benefits

  • Reward Points achieved are redeemable for hotel or flight bookings on the AU Rewardz portal.
  • 2 complimentary access to the airport lounges in India quarterly under the Visa domestic lounge program.
  • Complimentary Priority Pass membership along with 2 complimentary access to international airport lounges every quarter.
  • 2 complimentary access to IRCTC lounges every quarter at Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, Madurai, and Agra railway stations.
  • Complimentary railway lounge access is applicable for both primary and additional cardholders.

Insurance Benefits

The AU Bank Zenith Credit Card comes with comprehensive insurance benefits, as mentioned in the table below:

Insurance Type Covered Amount
Air Accident Rs. 2 crore
Credit Shield Rs. 5 Lakh
Purchase Protection Rs. 50,000

There are many other travel-related insurance benefits that you receive over and above the covers mentioned above. These covers are for baggage loss, delay in flight, loss of passport baggage delay, and plane hijack. In order to claim any of these covers, call AU Bank customer care at 1800 1200 1500.

Dedicated Concierge Services

AU Bank Zenith Credit Card offers dedicated 24×7 global concierge services to provide you with assistance in flight or hotel bookings, golf sessions, and dining. To avail of these services, dial 1800 210 0298 (toll-free) or 022-42320298 for concierge assistance.

Lower Foreign Currency Mark-Up Fee

Being a premium credit card, the card charges a lower foreign currency mark-up fee of 1.99% (compared with 3.5% for most other cards) on purchases made in a foreign currency.

Eligibility Criteria for AU Bank Zenith Credit Card

You must fulfill the following criteria to apply for an AU Bank Zenith Credit Card successfully.

  • Must be between the ages of 21 and 60 years old.
  • Must be a resident of India.
  • Add-on cardholders must be above the age of 18.

AU Bank Zenith Credit Card Review

Although AU Bank Zenith Credit Card comes with a high membership fee of Rs. 7,999 per annum, premium benefits, including complimentary domestic/international airport and railway lounge visits, dedicated concierge service, and a lower foreign currency markup fee of 1.99%, justify the high annual membership fee. The only shortcoming of the Zenith Credit Card is that you don’t get any complimentary golf or movie benefits. Current competitors of the card in the market include HDFC Infinia Credit Card, ICICI Emerald Credit Card, SBI Aurum Credit Card, and Axis Bank Magnus Credit Card, which also offer very similar features but carry a slightly higher membership fee.

What are your thoughts on the AU Bank Zenith Credit Card? Let us know below in the comments. Also, please share your opinions in case you are an existing cardholder.

FAQs:

To apply for the Zenith Credit Card, click on the Apply Now button on your screen. Submit a few documents, like address proof and income proof, and proceed accordingly.
You are charged a mark-up fee of 1.99% of the transaction amount on all international transactions in a currency other than INR.
3.59% per month (43.08% annually) finance charges are applicable on the revolving credit on the AU Bank Zenith Credit Card.
Yes, 2 domestic and 2 international airport lounge visits per quarter are provided with the AU Bank Zenith Credit Card.
Yes, 2 complimentary IRCTC lounge visits are provided with AU Bank Zenith Credit Card.
AU Bank Zenith Credit Card

AU Bank Zenith Credit Card

(4.5/5)

1 Comment

  1. Nikunj Simariya Reply

    This card got the 50% off on BMS upto ₹400 for movie and non movie.

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