AU Small Finance Bank
AU Zenith Credit Card
Data last verified: 11 October 2026
- Joining fee₹7,999 + GST
- Annual fee₹7,999 + GST
- Reward rate0.75% base, up to 1.25% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹7,999 + GST
- Annual fee₹7,999 + GST
- Fee waiverOn ₹5 lakh spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
The Zenith earns 5 points per Rs 100 on dining, grocery and international spends, about 1.25% back, and 3 points on other spends, about 0.75%. Dining points are capped at 5,000 a cycle. Rent, education, government, fuel, EMIs and bill payments through BBPS earn nothing. You also get 1,000 points on Rs 50,000 spend in a cycle and 2,500 on a birthday spend.
It costs ₹7,999 a year and the fee is waived once you spend ₹5 lakh in the year. That is the number to check first. Below it, the rewards will not cover the fee.
It suits high spenders who travel abroad. The honest catch is that AU cut reward rates in January 2026 and removed the Taj Epicure milestone, so the card gives less than it used to.
Best for: High spenders who can reach Rs 5 lakh a year, Occasional international travellers, People who want concierge service.
01AU Zenith Credit Card Rewards and Benefits
02AU Zenith Credit Card Annual Fee and Charges
- Joining fee
- ₹7,999 + GST
- Annual fee
- ₹7,999 + GST
- Spend-based waiver
- Annual fee waived on ₹5 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.75%₹113
- Back each month, ₹2,112 a year₹176
- Annual fee with 18% GST−₹9,439
- It costs you each year₹7,327
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 1.25% back, up to ₹1,250 a month
- Groceries: 1.25% back
- Spending ₹41,667 or more a month: the ₹9,439 fee is waived
- Flyers: 16 airport lounge visits a year
Skip it if…
- you spend less than ₹41,667 a month (₹5,00,000 a year, rent and wallet loads not counted): the ₹9,439 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹7,999 each
- Fee waived on ₹5 lakh annual spend
- About 1.25% on dining, grocery and international spends
- About 0.75% on other spends
- 8 domestic lounge visits a year after ₹50,000 spend in the previous quarter
- 8 international lounge visits a year through Priority Pass
- Forex markup of 3.49%
05Pros and Cons
Pros
- Lower 3.49% forex markup
- International lounge access through Priority Pass
- Birthday and monthly milestone bonus points
- 24x7 concierge
Cons
- Reward rates were cut in January 2026
- No points on rent, fuel, education, government, EMI or BBPS bills
- Domestic lounges need ₹50,000 spend in the previous quarter
- ₹7,999 fee is steep if you miss the waiver
06How AU Zenith Credit Card earns Rewards
0.75% base, up to 1.25% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.75% | No cap | The card's normal rate |
| Dining and food delivery | 1.25% | ₹1,250 | All merchants in the categoryTerms: 5 reward points per ₹100 on dining (~1.25% at ₹0.25/point), capped at 5,000 points per statement cycle, cut from 20X on 1 Jan 2026 |
| Groceries | 1.25% | No cap | All merchants in the categoryTerms: 5 reward points per ₹100 on grocery (~1.25%), cut from 10X on 1 Jan 2026 |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility and telecom spends (~0.25%), max 100 reward points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance spends (~0.25%) |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 0.75% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1.25% | No cap | All merchants in the categoryTerms: 5 reward points per ₹100 on international spends (~1.25%), cut from 10X on 1 Jan 2026 |
| Everything else | 0.75% | No cap | The card's normal rate |
Terms on the base rate. 3 reward points per ₹100 on all other spends (~0.75%), cut from 5X on 1 Jan 2026
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU Zenith Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 8 visits a year, through Priority Pass with Priority Pass. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 1.25% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, airport lounge access, milestone bonuses.
- Concierge service: 24x7 concierge and lifestyle services
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle since 1 October 2026 (₹1,000 before)
- Airport lounge access: 2 domestic lounge visits per quarter using the AU card itself (require ₹50,000 retail spend in the preceding quarter) plus 2 international visits per quarter via Priority Pass, 8 + 8 a year
- Milestone bonuses: 1,000 reward points on spending ₹50,000+ in a statement cycle, awarded once per cycle (annual equivalent modelled; the Taj Epicure and quarterly-voucher milestones were withdrawn on 1 Jan 2026)
- Milestone bonuses: 2,500 bonus reward points on completing one retail transaction on your birthday
08AU Zenith Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Oct 2026 | Reduced: Forex markup raised from 1.99% to 3.49%Source: AU Small Finance Bank | 1.99% on international transactions | 3.49% on international transactions |
| 1 Oct 2026 | Reduced: Fuel surcharge waiver cap cut from ₹1,000 to ₹100 a monthSource: AU Small Finance Bank | 1% waiver, capped at ₹1,000 per statement month | 1% waiver, capped at ₹100 per statement month |
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 1 Jan 2026 | Reduced: January 2026 reward-rate cut across every accelerated category | Base 5 / Dining 20 / Intl 10 / Grocery 10 RP | Base 3 / Dining 5 / Intl 5 / Grocery 5 RP |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to AU Zenith Credit Card
AU Zenith Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Zenith Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹7,999 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹7,999 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.75% base, up to 1.25% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU Zenith Credit Card Bill
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Common Questions
Is the ₹7,999 fee waived?
Yes, for the next year, once you spend ₹5 lakh in a year. Below that the fee plus GST is charged.
What are the lounge benefits?
2 domestic lounge visits a quarter if you spent ₹50,000 in the previous quarter, plus 2 international visits a quarter through Priority Pass.
Which spends do not earn points?
Rent, education, government payments, EMIs, fuel, cash withdrawals and bill payments through BBPS.
What is the joining fee for the AU Zenith Credit Card?
The joining fee is ₹7,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Zenith Credit Card?
The annual fee is ₹7,999 + GST.
Does the AU Zenith Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 8 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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