AU Bank Zenith Credit Card

Following are the key highlights of the 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.

XpressEMI

• 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.

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.

The AU Credit Card Eligibility Criteria are mentioned below: 

• 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 eligibility criteria mentioned above are indicativeonly. AU Bank reserves the right to approve or reject credit card applications.

If you want to apply for an AU Bank Zenith credit card, keep the following documents ready:

• KYC documents: Valid Passport with photograph & signature/ Aadhar Card or proof of possession of Aadhar/ Driving Licence (handwritten/laminated) issued by regional transport Authority/ Voter's Identity Card issued by the election commission of India/ Job Card issued by NREGA (duly signed by an official of State Government), etc.
• Income proof: Form 16, Income Tax Returns, and recent Salary Slips.

If you want to get an AU Bank Zenith Credit Card, you can apply online on our website by following the steps mentioned below:

• Click on the ‘Credit Cards’ on the homepage of our website and select ‘AU Bank Credit Card’ from the dropdown menu. 
• Then select your preferred card and click the ‘Apply Now’ button.
• Enter all the required details such as your mobile number, name, email address, employment information, income details, etc.
• 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.