By Rajat Gaur
Updated On October 18, 2021

AU Bank Zenith Credit Card is one of the premium credit cards by AU bank. The card comes with a membership fee of Rs. 7,999 per annum and comes packed with a plethora of best-in-class privileges that one expects from a premium credit card including attractive milestone benefits, complimentary domestic and international lounge access, comprehensive insurance cover, lower foreign currency mark-up and many other premium benefits.

As far as the reward rate is concerned, you get a 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). Read on to learn more about this premium offering by AU Bank.

AU Bank Zenith Credit Card

Best Suited For

Travel | Dining | Shopping |

Joining Fee

Rs. 7,999 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Vouchers worth Rs. 1,000 from top brands on first POS transaction within 60 days of card issuance.
  • Zomato Pro membership on 5 successful transactions within 60 days of card issuance.
  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • 20 Reward Points per Rs. 100 on dining at standalone restaurants.
  • 10 Reward Points per Rs. 100 on international transactions, and grocery and departmental store spends.
  • 5 Reward Points per Rs. 100 on all other online and offline spends with the card (except fuel purchases).
  • Vouchers worth Rs. 1,000 on 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 1 retail transaction on birthday.
  • Lower foreign currency mark-up fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • 24×7 dedicated concierge service for travel, dining and golf sessions related assistance.
  • 1% fuel surcharge waiver at all fuel stations across India.
  • Comprehensive insurance protection including Credit Shield cover, lost card liability protection, air accident insurance and many other travel-related insurance covers.

Rewards and Benefits

Welcome Benefits

Vouchers worth Rs. 1,000 on first POS transaction, Zomato Pro membership on 5 successful transactions and 10,000 Bonus Reward Points on expenditure of Rs. 1 lakh. All these benefits are applicable only on retail spends made within 60 days of card issuance.

Movie & Dining

20 Reward Points per Rs. 100 on dining at standalone restaurants

Rewards Rate

20 Reward Points per Rs. 100 on dining (reward rate = 5%), 10 Reward Points per Rs. 100 on international transactions and grocery and departmental store spends (reward rate = 2.5%) and 5 Reward Points per Rs. 100 on all other spends except fuel (reward rate = 1.25%)

Reward Redemption

Reward Points redeemable for e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings on AU Rewardz portal, 1 Reward Point = Rs. 0.25

Travel

Reward Points redeemable for flight/hotel bookings on AU Rewardz portal, complimentary domestic and international airport lounge access, complimentary IRCTC loucnge access

Golf

N/A

Domestic Lounge Access

4 per quarter with Visa domestic lounge access program

International Lounge Access

2 per quarter with Priority Pass membership

Insurance Benefits

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

Zero Liability Protection

Cardholder not liable for any fraudulent transaction with the card post reporting the loss of card to the bank

Fees & Charges

Joining Fee

Rs. 7,999 (plus applicable taxes)

Renewal Fee

Rs. 7,999 (plus applicable taxes)

Spend based Waiver

Joining fee waived off on expenditure of Rs. 1.25 lakh within 90 days of card setup, renewal fee waived off on expenditure of Rs. 5 lakh in the preceding year

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

1.99% of the transaction amount

Interest Rates

1.99% per month (23.88% annually)

Fuel Surcharge

1% fuel surcharge waived off at all filling stations across India (no max cap applicable)

Cash Advance Charge

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

Add-on Card Fee

Nil

AU Bank Zenith Credit Card Welcome Benefits:

  • Shopping vouchers worth Rs. 1,000 from top brands on the first POS transaction made within 60 days of card issuance.
  • Zomato Pro membership on 5 successful retail transactions within 60 days of card setup.
  • 10,000 Bonus Reward Points on the expenditure of Rs. 1 lakh within 60 days of card issuance.

AU Bank Zenith Credit Card Rewards:

  • 20 Reward Points per Rs. 100 on dining at standalone restaurants.
  • 10 Reward Points per Rs. 100 on international transactions and grocery and departmental store spends.
  • 5 Reward Points per Rs. 100 on all other online and offline retail spends (except fuel purchases).
  • No Reward Points are earned on fuel purchases.

Reward Redemption:

Reward Points earned on AU Bank Zenith Credit Card are redeemable on the AU Rewardz portal for-

  • e-vouchers from top brands
  •  merchandise
  • mobile/DTH recharges
  • flight/hotel bookings

The monetary value of the Reward Points is Rs. 0.25.

Milestone Benefits:

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

AU Bank Zenith Credit Card Annual Fee Waiver:

  • Joining fee waived off on an expenditure of Rs. 1.25 lakh with 90 days of card issuance.
  • Annual renewal fee (second year onwards) waived off on an expenditure of Rs. 5 lakh in the preceding anniversary year.

Birthday Benefit:

2,500 Bonus Reward Points on completing 1 successful retail transaction on birthday.

AU Bank Zenith Credit Card Travel Benefits:

  • Reward Points earned can be redeemed against hotel/flight bookings on the AU Rewardz portal.
  • 4 complimentary domestic airport lounge access per quarter under the Visa domestic lounge program.
  • Complimentary Priority Pass membership with 2 complimentary international airport lounge access per quarter.
  • 2 complimentary IRCTC lounge access per quarter at New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, Agra and Madurai railway stations.
  • Complimentary lounge visits (both airport and railway) are applicable for primary as well as add-on cardholders.

Insurance Benefits:

You get a comprehensive insurance cover with AU Bank Zenith Credit Card with itemized insurance benefits as per the table below-

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

Apart from the aforementioned insurance benefits, you also get other travel-related insurance covers against baggage loss, baggage delay, delay in flight, loss of passport and plane hijack. To claim any of these insurance benefits, you may call AU Bank customer care at 1800 1200 1500.

Dedicated Concierge Services:

24×7 global concierge service for assistance regarding flight/hotel bookings, dining and golf sessions. You may dial 1800 210 0298 (toll-free) or 022-42320298 for concierge assistance.

Lower Foreign Currency Mark-Up Fee:

As it is a premium credit card, you are charged a lower foreign currency mark-up fee of 1.99% (compared with 3.5% for most other cards) on transactions made in a foreign currency.

Conclusion:

Although AU Bank Zenith Credit Card comes with a high membership fee of Rs. 7,999 per annum, premium benefits like complimentary domestic/international airport and railway lounge visits, dedicated concierge service and a lower foreign currency mark-up 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 come with a slightly higher membership fee. What’s your take on AU Bank Zenith Credit Card? Do let us know in the comments. If you’re an existing cardholder, feel free to share your experience.

FAQs:

You can apply for AU Bank Vetta Credit Card by visiting the Card’s page on the bank’s website and selecting the “Apply Now” option on the page. You will need to provide a few documents including an identity proof, address proof and a proof of income (like salary slip or audited ITR acknowledgment) to proceed with the application.

You are charged a mark-up fee of 1.99% of the transaction amount on all international transactions in a currency other than INR.

An interest rate of 1.99% per month (23.88% annually) is levied on the revolving credit on AU Bank Zenith Credit Card.

Yes, you get complimentary 2 domestic and 2 international airport lounge access per quarter with the AU Bank Zenith Credit Card.

Yes, you get 2 complimentary IRCTC lounge access with AU Bank Zenith Credit Card.

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