Zenith Credit Card
A premium points card: 5 points per ₹100 on dining, groceries and department stores and international spends, 3 elsewhere, 8 domestic and 8 Priority Pass lounge visits a year, for ₹7,999 a year; points are valued at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹7,999 plus GST Product page |
|---|---|
| Annual fee | ₹7,999 plus GST Product page |
| Annual fee waiver | On ₹5,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST Product page |
| AU charges the first year's ₹7,999 fee 90 days after card set-up unless ₹1,25,000 of retail spend is made in those 90 days; from the second year it is waived on ₹5 lakh of retail spend in the previous card anniversary year. The forex markup rose from 1.99% to 3.49% on 1 October 2026. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Dining at standalone restaurants | 5 points per ₹100 Product page | up to 5,000 points a statement cycle Product page |
| Grocery and department stores, and international spends | 5 points per ₹100 Product page | no cap on record |
| Utility and telecom bills (up to 100 points a transaction; BBPS bills earn nothing) | 1 point per ₹100 Product page | no cap on record |
| Insurance premiums | 1 point per ₹100 Product page | no cap on record |
| All other retail spends | 3 points per ₹100 Product page | no cap on record |
Cash, EMI, BBPS and quasi-cash transactions also earn no points. Utility and telecom spends earn at most 100 points a transaction.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: 8 domestic airport lounge visits a year (2 a quarter) and 8 international visits with a Priority Pass issued on request — Domestic visits need ₹50,000 of retail spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
- Milestone: 1,000 bonus points in each statement cycle with ₹50,000 of spend Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 2,500 bonus points for one retail transaction on your birthday Product page
- 8 international airport lounge visits a year with Priority Pass (2 a quarter) Product page
- Air accident cover up to ₹2 crore Product page
- 24x7 global concierge Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- a welcome benefit
- a reward rate on UPI spends with the RuPay card
- a rupee value for the milestone and birthday bonus points
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver cap: the product page says both 'up to ₹100' and 'maximum ₹1,000 per statement cycle'; AU's key fact statement of 30 Sep 2026 gives ₹100 a statement month for Zenith, which CardWise uses.
- Forex markup: the credit card listing FAQ still shows 1.99% for Zenith; the product page and the MITC of 30 Sep 2026 give 3.49% from 1 October 2026, which CardWise uses.
- Point value: AU does not give a rupee value on the Zenith page (its Cardmember Agreement points to the card page); CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
41 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Annual Card Membership fee: ₹7,999 + applicable taxes.”
“18% applicable on all fees, interest & charges.”
“For 2nd year onwards fee waiver : ₹5,00,000 retail spends done in previous card anniversary year”
“Effective 1st October 2026, Forex Markup will be revised from 1.99% to 3.49% for your international transactions.”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“Earn 5 Reward Points per Rs.100 spent on Dining at standalone restaurants, International spends, Grocery & Departmental Stores.”
“Cardholders will earn a maximum of 100 Reward Points per transaction on utility & telecom spends and a maximum of 5,000 Reward Points in a statement cycle on dining spends.”
“Earn 1 Reward Point per Rs.100 spent on Insurance and Utility & Telecom categories.”
“Earn 3 Reward Points per Rs.100 spent across merchant categories*.”
“*Note: Cash, Rent, Education & Govt, EMI, fuel, BBPS, Transportation and Quasi cash transactions are not eligible for Reward Points.”
“23.5.1 Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points.”
“23.6 Cardmembers will not earn Reward Points for EMI, fuel, cash withdrawal, Quasi Cash transactions, joining/annual fees and any other charges levied on the Card.”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“For 1st year fee waiver : ₹1,25,000 retail spends done within 90 days of card set up”
“Annual Card fee is charged in subsequent statement after 90 days completion of card set up date, in case retail spends based fee waiver condition is not met.”
“Cross currency foreign mark-up fees of 3.49% applicable on your international transactions”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Zenith, ABC PRO - 1.99%”
“W.e.f 1st January 2026, quarterly milestone benefit will be discontinued.”
“*Note: Cardholders can enjoy access to domestic airport lounges upon achieving retail spends of Rs. 50,000 or more in preceding calendar quarter.”
“Issuance of Priority Pass is request-based; kindly reach out to our customer care team for assistance.”
“With effect from 10th April 2026, AU Credit Cardholders need to spend minimum of Rs. 50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.”
“Enjoy 1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country”
“1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).”
“Enjoy now amazing offers available on your Zenith RuPay Credit Card.”
“1.10 "Card transactions"/ "Transactions" shall mean all types of Credit Card transactions including online transactions, POS transactions, Contactless transactions (via device or via Credit Card), UPI transactions (made on RuPay Credit Cards), Standing Instruction transactions and other application Credit Card transactions.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“Complimentary Domestic Airport Lounges: Unwind in comfort with 8 complimentary domestic lounge access annually* (2 per quarter) with your AU Zenith Credit Card.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“Earn 1,000 Bonus Reward Points on achieving minimum spending of Rs. 50,000 or more within a statement cycle.”
“Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday.”
“Complimentary International Airport Lounges: Relax and rejuvenate with 8 complimentary international airport lounge access annually (2 per quarter) using your Priority Pass.”
“Up to Rs.2 cr: Air accident cover”
“Call us on our 24 X 7 number at 1800 210 0298 (toll free) or 022-42320298.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“Resident Indian”
“Both salaried and self-employed individuals”
“Get Premium Rewards Just Like Your Lifestyle Zenith Credit Card Apply Now”
“Exclusive offers on ITC Hotels, Elivaas, Visa Meet & Greet services, DinewithVisa and much more for Zenith Visa Credit Card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology