← Part of AU Small Finance Credit Cards in India
The AU Zenith Credit Card, launched by AU Small Finance Bank, is a premium rewards card designed for high-spenders in India. As of 2026, IT offers up to 5 reward points for every ₹100 spent on select categories, with a per-point value of ₹0.25, translating to a 1.25% value-back. This card targets individuals seeking luxury travel and lifestyle benefits, including complimentary airport lounge access and low forex markup fees.
| Parameter | Details |
|---|---|
| Card Name | AU Zenith Credit Card |
| Issuing Bank | AU Small Finance Bank |
| Card Type | Premium Rewards Credit Card |
| Joining Fee (AU Zenith) | ₹7,999 |
| Annual Fee (AU Zenith) | ₹7,999 (waived on retail spends of ₹5 lakh in previous anniversary year) |
| Reward Points (Pre-Jan 2026) | Up to 5 Reward Points for every ₹100 spent (value ₹0.25/point, 1.25% value-back on dining, grocery, international purchases) |
| Reward Points (Effective Jan 1, 2026) | Reduced reward points across most categories; Dining reduced from 20 RP to 5 RP per ₹100 spent |
| Domestic Lounge Access (Zenith) | 8 complimentary accesses annually (2 per quarter) |
| International Lounge Access (Zenith) | 8 complimentary accesses annually (2 per quarter via Priority Pass; usage within India chargeable) |
| Forex Mark-up Fee (AU Zenith) | 1.99% |
| Revolving Credit Charge (AU Zenith) | 1.99% per month (23.88% annually) |
| Key Features | Accelerated rewards, complimentary airport/railway lounge access, Visa Meet & Greet services, Premium Dining Program, Air Accident Cover, Purchase Protection |
| Eligibility (Primary Cardholder Age) | 21 to 60 years (salaried), 25 to 65 years (self-employed) |
| Eligibility (Residency) | Indian Resident |
| Eligibility (Add-on Cardholder Age) | Over 18 years |
| Minimum Transaction for EMI Conversion | ₹2,000 or more |
| Contactless Payment Limit | Up to ₹5,000 without PIN |
| Customer Care (Priority) Email | creditcard.priority@aubank.in |
| Card Delivery Time | 7-10 business days (if approved) |
| Card Activation Deadline (RBI) | Within 37 days of issuance |
The AU Zenith Credit Card provides a strong suite of benefits for affluent customers, though recent changes effective January 2026 have adjusted its reward point structure.
AU Small Finance AU Zenith Credit Card in India: Types, Categories & Key Components Explained
The AU Small Finance Bank offers two primary premium credit cards: the AU Zenith Credit Card and the AU Zenith+ Credit Card, both designed for high-spenders seeking extensive rewards and travel benefits. As of 2026, the AU Zenith Credit Card provides up to 1.25% value-back on select categories, while the AU Zenith+ offers an accelerated 2% reward rate on specific spends.
| Type/Category | Details | Key Feature |
|---|---|---|
| AU Zenith Credit Card | Premium Rewards Credit Card | Up to 5 reward points for every ₹100 spent, 8 complimentary domestic lounge accesses annually (2 per quarter), low 1.99% forex markup fee, full protection including Air Accident Cover. |
| AU Zenith+ Credit Card | Super-Premium Metal Credit Card | Accelerated 2% reward rate on select categories, 16 complimentary domestic lounge accesses annually (4 per quarter), 1% Fuel Surcharge Waiver (up to ₹1000), complimentary golf rounds, Taj Epicure Membership on ₹12 lakh annual spend. |
| AU Zenith RuPay Credit Card | Variant of AU Zenith Credit Card | Curated offers specific to the RuPay platform, including dining and travel benefits. |
| AU Zenith+ RuPay Credit Card | Variant of AU Zenith+ Credit Card | Exclusive RuPay platform offers, 1% Fuel Surcharge Waiver (up to ₹1000) for transactions between ₹400 and ₹5,000 at all fuel stations. |
| AU Zenith Visa Credit Card | Variant of AU Zenith Credit Card | Exclusive offers on ITC Hotels, Elivaas, Visa Meet & Greet services, and the Premium Dining Program Dine with Visa. |
| Rewards Program (AU Zenith) | Points-based rewards system | Up to 5 reward points for every ₹100 spent, valuing ₹0.25 per point, offering up to 1.25% value-back on dining, grocery, and international purchases. |
| Rewards Program (AU Zenith+) | d points-based rewards system | High rewards rate of 3% on dining, international transactions, grocery, and departmental stores, with a base rate of 1% on other spends. |
| Travel Benefits (AU Zenith) | full travel privileges | 8 complimentary domestic lounge accesses annually, Visa Meet & Greet services for international flights, low 1.99% foreign currency markup fee, and global concierge assistance. |
| Travel Benefits (AU Zenith+) | Elevated travel privileges | 16 complimentary domestic lounge accesses annually, 8 international lounge accesses via Priority Pass, lower international fees (around 2% forex markup), and d concierge services. |
| Protection & Security | Insurance and purchase protection | Both Zenith and Zenith+ cards include Air Accident Cover, Purchase Protection, and other full security features. |
| Eligibility (Primary Cardholder) | Age and Residency | Indian Resident, aged 21 to 60 years for salaried individuals, and 25 to 65 years for self-employed individuals. |
| Eligibility (Add-on Cardholder) | Age and Residency | Resident Indian, over 18 years of age. |
| Required Documents (Identity) | Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI. |
| Required Documents (Address) | Proof of Address | Aadhaar card, Driver’s License, Passport, 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. |
| Required Documents (Income) | Proof of Income | Latest one or two salary slips (not more than three months old), latest Form 16, or last 3 months’ bank statement. |
The AU Zenith and Zenith+ credit cards are tailored for individuals seeking premium lifestyle benefits, particularly in travel and dining, supported by strong protection features and competitive reward structures.
AU Small Finance AU Zenith Credit Card in India
The AU Zenith Credit Card is a premium rewards card from AU Small Finance Bank, offering up to 5 reward points for every ₹100 spent. As of 2026, its annual fee is ₹7,999, which can be waived on achieving specific retail spend milestones.
| Metric | Value | Source |
|---|---|---|
| Card Name | AU Zenith Credit Card | AU Small Finance Bank Official Website |
| Card Type | Premium Rewards Card | AU Small Finance Bank Official Website |
| Joining Fee | ₹7,999 | AU Small Finance Bank Official Website |
| Annual Fee | ₹7,999 | AU Small Finance Bank Official Website |
| Annual Fee Waiver Condition | Retail spends of ₹5,00,000 in the previous card anniversary year | AU Small Finance Bank Official Website |
| Reward Points per ₹100 Spent | Up to 5 Reward Points | AU Small Finance Bank Official Website |
| Reward Value per Point | ₹0.25 | AU Small Finance Bank Official Website |
| Value-back through Rewards | Up to 1.25% (on dining, grocery, international purchases) | AU Small Finance Bank Official Website |
| Base Value-back on Other Spends | 0.75% | AU Small Finance Bank Official Website |
| Foreign Currency Mark-up Fee | 1.99% | AU Small Finance Bank Official Website |
| Revolving Credit Charge (per month) | 1.99% | AU Small Finance Bank Official Website |
| Revolving Credit Charge (annually) | 23.88% | AU Small Finance Bank Official Website |
| Complimentary Domestic Airport Lounge Access | 8 annually (2 per quarter) | AU Small Finance Bank Official Website |
| Complimentary International Airport Lounge Access | 8 annually (2 per quarter via Priority Pass) | AU Small Finance Bank Official Website |
| Complimentary Railway Lounge Access | 2 per calendar quarter | AU Small Finance Bank Official Website |
| Complimentary Visa Meet & Greet Services | Available for international flights at major Indian airports | AU Small Finance Bank Official Website |
| EMI Conversion Eligibility | Transactions of ₹2,000 or more | AU Small Finance Bank Official Website |
| Contactless Payment Limit (without PIN) | Up to ₹5,000 | AU Small Finance Bank Official Website |
| Primary Cardholder Age (Salaried) | 21 to 60 years | AU Small Finance Bank Official Website |
| Primary Cardholder Age (Self-Employed) | 25 to 65 years | AU Small Finance Bank Official Website |
| Resident Status | Indian Resident | AU Small Finance Bank Official Website |
| Add-on Cardholder Age | Over 18 years | AU Small Finance Bank Official Website |
| Customer Care Email (Priority) | creditcard.priority@aubank.in | AU Small Finance Bank Official Website |
The AU Zenith Credit Card provides extensive travel and lifestyle benefits, including accelerated rewards on specific spending categories and full protection coverage. Its low foreign currency mark-up fee makes IT suitable for international transactions.
How AU Small Finance AU Zenith Credit Card in India Works
The AU Small Finance AU Zenith Credit Card functions as a premium rewards card, offering up to 5 reward points for every ₹100 spent on select categories. Cardholders receive a value-back of up to 1.25% on dining, international transactions, and grocery purchases, making IT suitable for frequent spenders.
This card provides extensive travel and lifestyle benefits, including complimentary lounge access and concierge services. As of 2026, AU Small Finance Bank has over 10 lakh active and outstanding credit cards in India, demonstrating its growing presence.
- Reward Point Structure: The card offers up to 5 reward points for every ₹100 spent, with each point valued at ₹0.25, translating to a 1.25% value-back on specific spending categories.
- Domestic Airport Lounge Access: Cardholders receive 8 complimentary domestic airport lounge accesses annually, limited to 2 per quarter, subject to meeting a specified retail spend threshold.
- International Travel Benefits: IT includes complimentary Visa Meet & Greet services at major Indian airports for international flights, the travel experience.
- Low Forex Mark-up: The AU Zenith Credit Card features a foreign currency mark-up fee of 1.99%, which is lower than many other premium cards, benefiting international travelers.
- Premium Dining Program: Access to the Dine with Visa program offers curated menus and exclusive reservations, providing unique culinary experiences.
- full Protection: The card includes strong protection features such as Air Accident Cover and Purchase Protection, ensuring security for cardholders.
- EMI Conversion Facility: Transactions of ₹2,000 or more can be converted into manageable monthly instalments, offering financial flexibility.
- Contactless Payment: Users can make contactless payments up to ₹5,000 without needing to enter a PIN, streamlining smaller transactions.
- Customer Support: Priority customer support is available via email at creditcard.priority@aubank.in for Zenith cardholders, ensuring dedicated assistance.
The AU Zenith Credit Card combines a strong rewards program with premium travel and lifestyle perks, catering to users seeking luxury and convenience in their financial products.
AU Small Finance AU Zenith Credit Card in India
The AU Zenith Credit Card offers up to 5 reward points for every ₹100 spent, providing a value-back of up to 1.25% on select categories. This premium card targets individuals seeking luxury travel benefits and accelerated rewards in 2026.
IT includes full protection and exclusive offers, making IT suitable for frequent travelers and high spenders.
- Reward Points: Cardholders earn up to 5 Reward Points for every ₹100 spent, with each point valued at ₹0.25. This translates to a 1.25% value-back on dining, grocery, and international transactions.
- Forex Markup Fee: The card features a low foreign currency markup fee of 1.99%, significantly reducing costs on international transactions compared to other cards with 3.49%.
- Lounge Access: Users receive 8 complimentary domestic airport lounge accesses annually (2 per quarter), subject to achieving specific retail spends.
- Visa Meet & Greet Services: Complimentary Visa Meet & Greet services are available at major Indian airports for international flights, with a 10% discount for repeat customers.
- Premium Dining Program: The card includes access to the Premium Dining Program “Dine with Visa,” offering curated menus and reservations for unique culinary experiences.
- full Protection: Benefits include Air Accident Cover and Purchase Protection, providing financial security against unforeseen events.
- Eligibility Criteria: Primary cardholders must be Indian Residents aged 21 to 60 years for salaried individuals, or 25 to 65 years for self-employed applicants.
The AU Zenith Credit Card provides a blend of travel perks, reward benefits, and security features for its Indian cardholders in 2026.
AU Small Finance AU Zenith Credit Card in India: Vs Alternatives: Which Option is Best?
The AU Zenith Credit Card offers up to 1.25% value-back on select categories, positioning IT as a premium rewards card for dining, grocery, and international transactions. In contrast, cards like Cashback SBI provide a higher 5% value-back on all online spends, while Axis Atlas focuses on up to 5% savings on travel expenses.
| Feature | AU Small Finance AU Zenith Credit Card | Cashback SBI | Axis Atlas |
|---|---|---|---|
| Card Type | Premium Rewards Credit Card | Cashback Credit Card | Travel Credit Card |
| Joining Fee (as of 2026) | ₹7,999 | Lower fee (specific amount varies) | Not specified |
| Reward Rate (Online Spends) | Up to 1.25% value-back on select categories (dining, grocery, international) | 5% value-back on all online spends | Up to 5% savings on travel expenses |
| Reward Rate (Offline Spends) | 0.75% base value-back on other eligible spending | 1% value-back on offline spends | Not specified |
| Domestic Airport Lounge Access | 8 complimentary annually (2 per quarter) upon meeting spend criteria | Not specified | Not specified |
| International Travel Benefits | Complimentary Visa Meet & Greet, Premium Dining Program, low forex markup (1.99%) | Not specified | Up to 5% savings on travel expenses |
| Protection Coverage | Air Accident Cover, Purchase Protection | Not specified | Not specified |
| Revolving Credit Charge (Annual) | 23.88% p.a. (1.99% per month) | Not specified | Not specified |
While the AU Zenith Credit Card excels in luxury travel perks and accelerated rewards on specific categories, alternatives like Cashback SBI offer broader cashback on online purchases, making the choice dependent on individual spending habits.
Common Misconceptions About AU Small Finance AU Zenith Credit Card in India
Many prospective cardholders misunderstand key aspects of the AU Zenith Credit Card, particularly regarding its reward structure and lounge access benefits. For instance, while the card offers up to 5 reward points per ₹100 spent, this 1.25% value-back applies only to specific categories like dining and international transactions, not all spending.
- Misconception 1: Universal High Reward Rate. The AU Zenith Credit Card offers up to 5 reward points per ₹100 spent, but the maximum 1.25% value-back is limited to dining, international transactions, grocery, and departmental stores. Other eligible spending categories earn a base value-back of 0.75%.
- Misconception 2: Unlimited Domestic Lounge Access. Cardholders receive 8 complimentary domestic lounge accesses annually (2 per quarter). However, this access is conditional upon achieving a specific retail spend threshold in the previous quarter, which is not explicitly stated as a fixed amount for all cards but typically requires ₹20,000 for Zenith, Vetta, and SPONT cards.
- Misconception 3: Free International Lounge Access. While the AU Zenith Credit Card provides 8 complimentary international lounge accesses annually (2 per quarter) via Priority Pass, usage of Priority Pass within India is chargeable. This means domestic lounge visits using Priority Pass incur a fee.
- Misconception 4: No Joining Fee. The AU Zenith Credit Card has a joining fee of ₹7,999 plus GST as of 2026. This fee is not waived by default, unlike some other credit cards.
- Misconception 5: Direct Application for Zenith+ Metal. The AU Bank Zenith+ Metal Credit Card is an invite-only product and is not available for direct application through the bank’s website or third-party platforms like Paisabazaar.com as of 2026.
Understanding these specific terms and conditions helps in accurately evaluating the AU Zenith Credit Card’s true value for your spending habits.
What to Do Next: Actionable Steps
Applying for the AU Zenith Credit Card in 2026 requires meeting specific age and residency criteria, along with submitting documents. The primary cardholder must be an Indian Resident aged 21 to 60 years for salaried individuals, or 25 to 65 years for self-employed applicants.
Prospective applicants should gather all necessary identity, address, and income proofs before initiating the application process to ensure a smooth experience.
- Verify Eligibility: Ensure you are an Indian Resident aged 21-60 years (salaried) or 25-65 years (self-employed) for the primary card. Add-on cardholders must be over 18 years old.
- Prepare Documents: Collect proof of identity (PAN Card, Aadhaar, Passport), proof of address (Aadhaar, Driver’s License, Utility Bill not more than 3 months old), and proof of income (latest 1-2 salary slips, Form 16, or last 3 months’ bank statement).
- Apply Online: Visit the official AU Small Finance Bank website to apply for the AU Zenith Credit Card. The card is not available for direct application on third-party platforms like Paisabazaar.com as of 2026.
- Complete Application Form: Fill in the online application form with your personal and financial details, then upload the required documents.
- Track Application Status: After submission, monitor your application status. If approved, the physical card is typically delivered within 7-10 business days.
- Activate Card Promptly: Activate your new AU Zenith Credit Card within 37 days of issuance, as per RBI guidelines, to avoid automatic closure.
Key Takeaways
- The AU Zenith Credit Card requires primary applicants to be Indian Residents between 21 and 60 (salaried) or 25 and 65 (self-employed) years old.
- documents include PAN, Aadhaar, recent utility bills, and the last three months’ income proof (salary slips/bank statements).
- Applications must be submitted directly via the AU Small Finance Bank’s official website, as the card is not available on major third-party financial portals.
Check your eligibility and apply for the AU Zenith Credit Card directly on the AU Small Finance Bank official website.
Frequently Asked Questions (FAQs)
What are the key benefits of the AU Zenith Credit Card?
The AU Zenith Credit Card offers up to 5 reward points for every ₹100 spent on select categories, along with travel benefits. Cardholders receive 8 complimentary domestic airport lounge accesses annually, limited to 2 per quarter, upon achieving specific retail spends. IT also includes comprehensive protection like Air Accident Cover and Purchase Protection.
Does the AU Zenith Credit Card offer international travel benefits?
Yes, the AU Zenith Credit Card provides impressive international travel benefits, including complimentary Visa Meet & Greet services at major Indian airports for international flights. Cross-border active customers meeting a specific spend threshold can avail these services, with repeat customers receiving a 10% discount. The card also features a Premium Dining Program with Visa.
What are the reward rates for the AU Zenith Credit Card?
The AU Zenith Credit Card offers up to 5 reward points for every ₹100 spent on specific categories. The base reward rate is 1% on general spends, with accelerated rates on select spending categories. For example, some premium cards offer higher value-back rates on travel expenses, such as Axis Atlas (up to 5%) and Air India SBI Signature (up to 4%).
What protection features are included with the AU Zenith Credit Card?
The AU Zenith Credit Card provides comprehensive protection benefits for cardholders. These include Air Accident Cover, offering financial security in unforeseen circumstances. IT also features Purchase Protection, safeguarding eligible purchases against damage or theft for a specified period.
How many complimentary domestic lounge accesses does the AU Zenith Credit Card offer?
The AU Zenith Credit Card provides 8 complimentary domestic airport lounge accesses annually. This benefit is capped at 2 accesses per quarter. Cardholders must achieve specific retail spends to be eligible for these lounge accesses, as per the terms and conditions (as of June 2026).
Can I get exclusive dining offers with the AU Zenith Credit Card?
Yes, the AU Zenith Credit Card includes a Premium Dining Program through DinewithVisa. This program offers reservations and curated menus, providing cardholders with unique culinary experiences. , the card provides exclusive offers on ITC Hotels and Elivaas.
Where can I apply for the AU Zenith Credit Card?
You can apply for the AU Zenith Credit Card directly through the AU Small Finance Bank’s official website. While information is available on financial portals like Paisabazaar, applications are processed via the bank’s own channels. You can also contact their advisors for assistance with offers and queries.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.