Key Highlights of AU Bank Zenith Credit Card

Following are the key highlights of the AU Bank Zenith Credit Card:

Annual card membership feeRs. 7,999 + applicable taxes
EMI conversion facilityAvailable on transactions above Rs. 2,000
Suitable forRewards and dining
Age21 to 60 years

AU Bank Credit Card Offer

Features and Benefits of AU Bank Zenith Credit Card

Offers for First-Time Card Holders

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.

Accelerated Rewards Program

  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.
  • 5 reward points on spending every Rs. 100 across all other merchant categories.
  • Fuel transactions are excluded from earning reward points.

Bonus Reward Points

  • Choose from vouchers worth Rs. 1,000 of top brands on retail spends of Rs. 2 Lakhs or more per calendar quarter. 
  • Complimentary Epicure Membership on retail spends of Rs. 8 Lakhs or more in a card anniversary year. 
  • 2,500 bonus reward points on one retail transaction done on your birthday.

Lower International Markup Fee

  • Lower cross-currency foreign markup fee of 1.99% on international transactions.

Complimentary Lounge Access

  • Complimentary lounge access within and outside India at 1,000+ airport lounges.
  • 2 complimentary access at all participating lounges each calendar quarter with Priority Pass. 
  • 2 complimentary lounge access each calendar quarter in India with VISA cards. 
  • 2 complimentary lounge access each calendar quarter with VISA cards at railway stations in New Delhi, Ahmedabad, Kolkata (Sealdah), Jaipur, and Agra. 
  • Complimentary airport and railway lounge access are also available to add-on cardholders within the mentioned complimentary number of visits.

Dedicated Concierge Services

  • Global Concierge Assistance for booking your travel, arranging a golf session, planning a perfect anniversary dinner, and so on. Call on 24x7 toll-free number at 1800 210 0298 or 022-42320298.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver. 
  • Valid for fuel transactions up to Rs. 1,000 per statement cycle done across all fuel stations in India.

Comprehensive Protection Cover

  • Rs. 2 Crores worth Air Accident Cover.
  • Credit Shield of up to Rs. 15 Lakhs.
  • Purchase Protection of up to Rs. 50,000.
  • Credit Liability Cover in the event of credit card loss. Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
  • Cover for baggage loss/delay, flight delay, loss of passport, and plane hijack.

Contactless Card Usage

Use your AU Zenith Card to make quick, secure and easy payments by just tapping your card and paying at participating merchants without entering the credit card PIN for amounts up to Rs. 5,000.


  • Convert transactions worth Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 

Annual Card Membership Fee 

  • Rs. 7,999 + applicable taxes. This fee is waived on retail spends of Rs. 5,00,000 done in the previous card anniversary year.

Additional Read: AU Bank Credit Card Application Status

AU Bank Zenith Credit Card Fees & Charges

Following are the fees and charges associated with AU Small Finance Bank Zenith Credit Card:

  • Annual membership fee: Rs. 7,999 + applicable taxes. 
  • Cash advance fee: 2.5% (minimum Rs. 100).
  • Charges on revolving credit: 1.99% per month (23.88% annually). 
  • Foreign currency transactions: 1.99%.
  • Late payment charges: Rs. 0 to Rs. 1,100.
  • Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
  • Cheque, ECS/NACH, Autopay return charges: Rs. 500.
  • Loan processing fee 1% (minimum Rs. 500). 
  • Loan preclosure charge: 3% of the principal outstanding.
  • Balance Transfer/BT on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
  • EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI and Rs. 199 + GST for Instant EMI.
  • Card validation charges (lounges): Rs. 2.
  • Priority Pass lounge charges: $27 + taxes for all visits within India. 
  • Reissuance of lost/ stolen/ damaged card: Rs. 100.
  • Duplicated physical statement request charges: Rs. 100.
  • Outstation cheque processing charges: Rs. 25.
  • Goods and Services Tax (GST): 18% applicable on all above-mentioned fees, interest & charges.

AU Bank Zenith Credit Card Eligibility

To apply for this credit card, you must meet the following AU Credit Card Eligibility Criteria

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

AU Bank Zenith Credit Card Documents Required

If you wish to apply for a Zenith credit card, you must have the following documents ready:

  • Address proof like Passport, Aadhaar Card, Utility Bills, Voter ID, Ration Card, etc.
  • Identity proof like Passport, Aadhaar Card, Driving License, etc.
  • Income proof such as Form 16, Income Tax Returns, and recent Salary Slips.

Also Read: AU Bank Credit Card Net Banking

How to Apply for AU Bank Zenith Credit Card?

  • Click on the ‘Credit Cards’ on the homepage of our website.
  • From the dropdown menu, choose ‘AU’ and then click on the ‘Apply Now’ button.
  • Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
  • Verify your mobile number with an OTP.
  • You will get a call from our credit cards expert soon to help you complete the credit card application process.

Other AU Bank Credit Cards

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score


The best offers from India’s most
trusted banks


AU Bank Credit Card Offers

Get AU Credit Card & enjoy various lifestyle privileges, amazing welcome benefits, cashback offers, and many more. Apply instantly.

AU Bank Zenith Credit Card FAQs

What are the different AU Bank credit card bill payment options?

  • In case you have an AU Small Finance Bank account, the bill payment can be made through Internet Banking, Mobile Banking, ATMs, or Standing Instruction facility such as Autopay. 
  • If you are a Non-AU Small Finance Bank account holder, the card payment can be made through the Bill Desk facility with other banks’ Net Banking account or through NEFT fund transfer mode from other bank accounts (with IFSC code AUBL0CCARDS). 
  • You can also drop cheques or drafts into any of the AU Small Finance Bank Credit Card drop boxes placed in the AU Small Finance Bank branches. 
  • One more payment option is cash payments at the bank branches.

How to reach the AU Bank credit card customer care team?


You can contact the AU Bank Credit Card Customer Care team for any inquiries or grievance redressal through any of the following ways:

  • 24X7 hours call centre number: 1800 1200 1500 
  • Email: creditcard.support@aubank.in 
  • Zenith and Vetta customers can send emails on: creditcard.priority@aubank.in 
  • Mail: AU Small Finance Bank, Credit Card Division, Third Floor Hall C, Sunny Junction STC, New Atish Market, Jaipur, Rajasthan - 302020

What is the annual card membership fee for a Zenith card?


The annual card membership fee for an AU Zenith credit card is Rs. 7,999 + applicable taxes.

Can the annual fee of the card be waived?


Yes, you can get the first annual card fee waiver if you make Rs. 1,25,000 retail spending within 90 days of card set up. To get the fee waiver for the second year onwards, you must make Rs. 5,00,000 retail spends in the previous card anniversary year.

Can an NRI apply for an AU Zenith card?


No. This card is available only for Indian residents.