Our Money Guide
AU Bank Zenith Credit Card

Pros and Cons of AU Bank Zenith Credit Card

Pros

  • Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Cons

  • Reward rate on card spending is comparatively low, especially on travel spends

Features & Benefits of AU Bank Zenith Credit Card

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends

– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases

1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more.

No reward points are given on cash withdrawals, EMI transactions and fuel transactions

Quarterly and yearly milestone benefits

You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh.

You get complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh. Taj Epicure is a luxury food & beverage, as well as hotel membership program from the Taj/Tata group of hotels. It gives access to high-end dining & hotel experiences across properties taking part in the program. 

Fuel transactions, cash withdrawals and EMI transactions are not eligible for monthly milestone card spend calculation

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

You get free membership of Taj Epicure, when you spend ₹12 lakhs in a year, on your card.

Taj Epicure is a luxury food & beverage, as well as hotel membership program from the Taj/Tata group of hotels. It gives access to high-end dining & hotel experiences across properties taking part in the program.

Complimentary access to airport lounges outside India – 16 times per year

You get free visits to international airport lounges, 16 times each year (maximum 4 times per quarter).

Complimentary access to airport lounges in India – 16 per year

You get free visits to domestic airport lounges, 16 times each year (maximum 4 times per quarter).

Complimentary access to railway lounges in India – 2 times per quarter

You get free visits to domestic railway lounges, 8 times each year (maximum 2 times per quarter).

24/7 concierge services

You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits

You get a range of free insurance benefits.

– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Birthday benefit of ₹625

You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

Fuel surcharge waiver, upto ₹1000 per month

You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month.

Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

AU Bank customer care number

You can contact AU Bank 24/7, please click here for details – AU Customer Care Numbers & Other Contact Details

AU Bank Zenith Credit Card Fees & Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹7999Welcome offer : 1st year annual fee is waived off, on spending ₹1.25 lakhs on your card, within 90 days of card issuance date.
Renewal fee from 2nd year onwards₹7999Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹5 lakhs or more in the previous year.

To view all fees and charges and details, please click here – AU Credit Cards Fees & Charges . Taxes applicable on all fees and charges, as per existing law.

Eligibility criteria

Minimum agePrimary card member: 20 years
Add-on card member: 18 years
Maximum age60 years
OccupationSalaried or self-employed
Minimum income requirementsShould have a regular source of income , minimum income not specified
Credit scoreGood credit score, preferably above 750
LocationApplicant should be based in the credit card sourcing locations of AU bank

Documents required

Required documents 
– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

Additional documents maybe required on a case-to-case basis.

How do I apply for the AU Bank Zenith Credit Card?

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the AU Bank website.

You can also visit official website of the bank and fill out the application form. The bank’s website and mobile app offer a user-friendly interface that makes the application process quick and easy.

Steps :
– To apply, simply provide your personal details, such as your PAN number, mobile phone number, income & emplyment details, , address, along with the other requirements asked for
– Submit the application
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Apply Now

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