By: OurMoneyGuide || Last updated on: June 6, 2024

AU Bank Zenith Credit Card is a premium credit card, offering a variety of lifestyle benefits like complimentary access to airport lounges in India and abroad, complimentary Taj Epicure membership, complimentary access to railway lounges in India, insurance benefits, concierge services and more.

Pros & Cons of AU Bank Zenith Credit Card


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


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

Features & Benefits of the 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 (maximum 5000 reward points per month at this earning rate, meaning this benefit is applicable on dining spends upto ₹25000 per month)
  • 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.

- On utility and telecom spends, you get 0.25% benefit (1 reward point on every ₹100 spent), maximum 100 reward points per transaction.
- No reward points are given on the following card spends – fuel, rent, education, government, cash withdrawals, EMI transactions, Bharat Bill Payment System.

Quarterly and yearly milestone benefits

✓ Quarterly milestone benefit (vouchers worth ₹1000 at ₹2 lakh quarterly card spend): You get vouchers worth ₹1000, at quarterly card spend of ₹2 lakh – 0.50% benefit.

✓ Yearly milestone benefit (Taj Epicure Membership at ₹8 lakh annual card spend): 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. For detailed terms & conditions of Epicure membership, click here.

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

Complimentary access to airport lounges outside India – 2 times per quarter

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

For eligible list of Priority Pass lounges, please click here. Usage of Priority Pass within India is chargeable. For detailed terms & conditions, please click here.

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

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

This benefit is brought to you in partnership with VISA. For list of eligible lounges, please click here.

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). For list of lounges and terms & conditions, please click here.

Add-on cardholders can also enjoy these railway lounge benefits within the mentioned complimentary number of visits. Please click here to view details.

Low fee of 1.99% on international card transactions

You are charged a low fee of 1.99% on foreign card transactions. Most cards in the industry charge 3.50%, except a few premium cards.

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 insurance cover of ₹2 crore
✔︎ Fraud liability cover upto your card limit
– in the unfortunate event of loss of credit card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
– you are also protected against card counterfeit/skimming and online frauds.
✔︎ Credit shield insurance cover upto ₹15 lakhs
– in the event of accidental death of the card holder, outstanding payments on a card are waived off.
✔︎ Purchase protection upto ₹50,000
✔︎ Other travel related covers – baggage delay, delay in flight, loss of passport and plane hijack.

Please click here to view detailed terms and conditions. 

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

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

For priority assistance, you can mail your queries on 

AU Bank Zenith Credit Card Fees and 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.
Add-on cards are lifetime free

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: 21 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

Application Process

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 processThe 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.