MyFinCards
Zenith Credit Card

Joining Fee

₹7,999

Annual Fee

Rs. 7999 (Reversed on annual spends of Rs. 5 Lakhs)

Forex Markup

1.99% + GST

INTERNATIONAL
AU Small Finance Bank
Lifestyle
Rewards
Travel
Best For: Frequent international travelers, Dining and lifestyle spenders, Those seeking premium concierge and lounge benefits

Zenith Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Pros

  • Low foreign currency markup of 1.99%
  • Up to 5x reward points on dining, groceries and international transactions
  • Complimentary domestic and international lounge access per quarter
  • Comprehensive insurance coverage including ₹2 Crore air accident cover
  • Free add-on cards for lifetime
  • 24x7 global concierge service
  • Annual fee waiver available on spending threshold

Cons

  • High annual fee of ₹7,999
  • Domestic lounge access requires minimum ₹20,000 spend per quarter
  • First year fee waiver requires ₹1,25,000 spend within 90 days

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points capped at 100 per transaction on utility & telecom spends

Dining reward points capped at 5,000 per statement cycle

Cash, rent, education, govt, EMI, fuel, BBPS and quasi cash transactions are not eligible for reward points

Usage of Priority Pass within India is chargeable

Domestic lounge access requires minimum ₹20,000 spend in a calendar quarter

Key Benefits & Features

Contactless payments up to ₹5,000 without PIN

Exclusive offers on ITC Hotels (Stay 3 Pay 2), Elivaas luxury villas (Stay 3 Pay 2), Visa Meet & Greet at major Indian airports

Eligibility Criteria

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Notable Exclusions

No Reward Points on cash transactionsNo Reward Points on rent paymentsNo Reward Points on education paymentsNo Reward Points on government transactionsNo Reward Points on EMI transactionsNo Reward Points on fuel transactionsNo Reward Points on BBPS transactionsNo Reward Points on quasi cash transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Zenith Credit Card

The AU Small Finance Bank Zenith Credit Card is a premium lifestyle card designed for those who expect more from every spend. Tailored for frequent international travelers, dining enthusiasts, and lifestyle spenders, this Visa card combines meaningful rewards with practical travel benefits and a lower foreign currency mark-up fee of just 1.99%, making it an ideal companion for cross-border transactions. Cardholders earn up to 5x Reward Points on dining at standalone restaurants, international transactions, and grocery and departmental store spends, along with 3x points on most other retail categories. Every quarter, members enjoy 2 complimentary domestic and international airport lounge accesses, while a 24x7 Global Concierge Service takes care of travel bookings, dining reservations, and leisure arrangements. Additional perks include birthday bonus points of up to 2,500, a 1% fuel surcharge waiver, purchase protection of up to ₹50,000, an air accident cover of ₹2 crore, and credit shield coverage of up to ₹15 lakhs. Exclusive curated offers through Visa partnerships, including stays at ITC Hotels and Elivaas luxury villas, complimentary Meet and Greet services at major airports, and access to the premium DinewithVisa dining program, add further distinction to the card. With a joining and annual fee of ₹7,999, fee waivers are available based on qualifying spends, making the Zenith Credit Card a rewarding choice for premium lifestyle seekers.

Expert Review

Our Verdict

Premium lifestyle card with 5x rewards, low forex markup, lounge access & global concierge.

Frequently Asked QuestionsAbout Zenith Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Zenith Credit Card?
To apply for the Zenith Credit Card, you must be a Resident Indian. For salaried individuals, the age requirement is 21 to 60 years. For self-employed individuals, the age requirement is 25 to 65 years. Add-on cardholders must be above 18 years of age. Please note that these criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline any credit card application.
FEESWhat are the joining and annual fees for the Zenith Credit Card?
The Zenith Credit Card has a joining fee of ₹7,999 plus applicable taxes and an annual membership fee of ₹7,999 plus applicable taxes. However, the first-year fee can be waived if you complete ₹1,25,000 in retail spends within 90 days of card setup. From the second year onwards, the annual fee is waived if you spend ₹5,00,000 in the previous card anniversary year.
FEESHow can I get the annual fee waived on my Zenith Credit Card?
You can get the annual fee waived based on your spending milestones. For the first year, complete retail spends of ₹1,25,000 within 90 days of card setup to get the joining fee waived. From the second year onwards, if you spend ₹5,00,000 in retail transactions during the previous card anniversary year, your annual fee of ₹7,999 will be waived for the following year.
REWARDSHow do reward points work on the Zenith Credit Card?
The Zenith Credit Card offers an accelerated rewards program: earn 5 Reward Points per ₹100 spent on dining at standalone restaurants, international transactions, and grocery and departmental stores. You earn 3 Reward Points per ₹100 on most other retail categories, and 1 Reward Point per ₹100 on insurance, utility, and telecom spends. Additionally, earn 1,000 bonus Reward Points when your monthly retail spends reach ₹50,000 or more in a statement cycle. Note: cash, rent, education, government payments, EMI, fuel, BBPS, and quasi-cash transactions are not eligible.
REWARDSAre there any caps on reward points earned on the Zenith Credit Card?
Yes, there are certain caps on reward points. Cardholders can earn a maximum of 100 Reward Points per transaction on utility and telecom spends. Additionally, dining spends are capped at a maximum of 5,000 Reward Points per statement cycle. Transactions such as cash advances, rent payments, education and government payments, EMIs, fuel, BBPS, and quasi-cash transactions are not eligible for reward points.
USAGEHow can I redeem my Reward Points earned on the Zenith Credit Card?
Reward Points earned on the Zenith Credit Card can be redeemed through the AU Rewardz portal. Redemption options include e-vouchers from top brands, merchandise, mobile and DTH recharges, flight and hotel bookings, and much more. You can visit the AU Rewardz portal to explore the full range of redemption options available to you.
BENEFITSWhat complimentary lounge access does the Zenith Credit Card offer?
The Zenith Credit Card provides 2 complimentary domestic airport lounge accesses per calendar quarter within India. However, domestic lounge access is subject to a minimum spend of ₹20,000 in the calendar quarter. For international lounges, the card provides 2 complimentary accesses per calendar quarter through Priority Pass at all participating lounges worldwide. Note that usage of Priority Pass within India is chargeable. Please refer to the lounge list for eligible locations.
BENEFITSWhat insurance and protection covers are included with the Zenith Credit Card?
The Zenith Credit Card comes with comprehensive insurance coverage including: an Air Accident Cover of ₹2 Crore, a Credit Shield of up to ₹15 Lakhs, and Purchase Protection of up to ₹50,000. You also get Card Liability Cover, which ensures zero liability on fraudulent transactions made after reporting a lost or stolen card, including protection against card counterfeit, skimming, and online fraud. To claim any insurance benefit, call Customer Care at 1800 1200 1500.
INTERNATIONALWhat is the foreign currency markup fee on the Zenith Credit Card?
The Zenith Credit Card offers a competitive foreign currency markup fee of just 1.99% on international transactions. This is significantly lower than the standard 3.5% charged by most credit cards, making it an excellent choice for frequent international travelers or those who shop on international websites. Additionally, international transactions qualify for accelerated reward points of 5 points per ₹100 spent.
USAGEWhat is the XpressEMI feature on the Zenith Credit Card?
XpressEMI allows you to convert credit card transactions of ₹500 or more, with a minimum total value of ₹2,000, into easy EMIs with zero processing fee. You can club up to 20 billed or unbilled transactions together for conversion. EMI conversion can be done through multiple channels: the AU 0101 App, NetBanking, Auro Chatbot, WhatsApp Banking (send 'Hi' to 8383838399), by calling 1800 1200 1500, or through IVR.
BENEFITSDoes the Zenith Credit Card offer a fuel surcharge waiver?
Yes, the Zenith Credit Card offers a 1% fuel surcharge waiver on fuel transactions at all fuel stations across India. This waiver is applicable on transactions between ₹400 and ₹5,000, and the maximum waiver is capped at ₹1,000 per statement cycle. Please note that fuel transactions do not earn reward points.
BENEFITSWhat concierge services are available with the Zenith Credit Card?
The Zenith Credit Card offers 24x7 Global Concierge Assistance to help you customize travel, entertainment, and leisure experiences. The concierge can assist with travel bookings, golf session arrangements, anniversary dinner planning, and much more. You can reach the dedicated concierge service at any time by calling the toll-free number 1800 210 0298 or 022-42320298.
FEESAre add-on cards available with the Zenith Credit Card, and what are the charges?
Yes, the Zenith Credit Card allows you to add loved ones as add-on cardholders so they can enjoy all the same benefits of the primary card. The best part is that add-on cards are completely free for lifetime — there are no charges for obtaining or maintaining them. Add-on cardholders must be above 18 years of age and must be Resident Indians.
BENEFITSWhat birthday benefit does the Zenith Credit Card offer?
The Zenith Credit Card rewards you on your special day with 2,500 bonus Reward Points on your birthday. To be eligible for this benefit, you need to complete at least one retail transaction on your birthday. These bonus points are in addition to the regular reward points earned on your spending, making your birthday even more rewarding.
APPLICATIONHow can I apply for the Zenith Credit Card?
You can apply for the Zenith Credit Card online by visiting the AU Small Finance Bank website and clicking on the 'Apply Now' button on the Zenith Credit Card page. You can also check your credit card application status online. For assistance, you can reach AU Small Finance Bank's 24x7 customer support at 1800 1200 1500 or email priority queries to creditcard.priority@aubank.in. The bank operates across 1,042 branches and ATMs for in-person assistance as well.

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