AU Zenith Credit Card Built For Elite Benefits

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

7 Apr 26
5 mins

Shreyansh Singh

08 Mins
07-04-26

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Table of Contents

What are the Benefits of the AU Zenith Credit Card?
Network Offers on AU Zenith Credit Card
AU Zenith Credit Card Fees and Charges
AU Zenith Credit Card Eligibility

Get 1000 bonus points on spending ₹50,000 monthly.
Enjoy 2 complimentary domestic lounge visits every quarter.
Receive 2500 reward points yearly on birthday transactions.
Get ₹2 crore air accident insurance coverage benefit.
Spend ₹125000 in 90 days to waive the first-year fee.

The AU Zenith Credit Card is a premium card designed for users who want travel benefits, rewards, and exclusive services. It offers a low foreign currency markup of 1.99% and access to 24/7 global concierge support for travel, entertainment, and lifestyle needs.

With a joining and annual fee of ₹7,999+GST, this card focuses on providing a high-value experience along with enhanced reward opportunities and personalised assistance.

Wondering what other features of the AU Zenith Credit Card make it so rewarding? Continue reading!

What are the Benefits of the AU Zenith Credit Card?

The Zenith Credit Card offers a detailed rewards programme with 5 points per ₹100 on dining, international, grocery, and departmental spends, 3 points on other spends, and 1 point on utility, telecom, and insurance.

Here are the details of the benefits of this card:

Milestone Rewards Bonus: Earn 1,000 bonus reward points when your retail spending reaches ₹50,000 or more within a single statement cycle.
Domestic and International Lounge Access: Get 2 complimentary domestic lounge visits per quarter and 2 international visits via Priority Pass access.
Birthday Reward Benefit: Receive 2,500 bonus reward points when you complete at least one retail transaction on your birthday.
Comprehensive Insurance Cover: Enjoy air accident cover of ₹2 crore, credit shield up to ₹15 lakh, and purchase protection up to ₹50,000.
Fuel Surcharge Savings: Get 1% fuel surcharge waiver across India, with maximum savings capped at ₹1,000 on eligible transactions.
Exclusive Network Offers: Enjoy exclusive offers through Visa and RuPay networks, each providing unique travel, dining, and lifestyle benefits.

Network Offers on AU Zenith Credit Card

Enjoy premium travel and dining privileges with Visa, including airport Meet-and-Greet services and curated dining programmes.

These benefits extend to exclusive stay offers and luxury travel experiences listed below.

Enjoy luxury stays at 40+ ITC Hotels with ‘stay 3 nights, pay for 2’ and 50% savings on the second night.
Access exclusive villa stays at 150+ Elivaas properties with similar ‘stay 3, pay for 2’ and savings benefits.

Note: If you hold the RuPay variant of the card, you can explore similar travel, dining, and lifestyle offers through exclusive RuPay partner programmes.

💡No matter which credit card or network you use, the Pice app helps you manage your credit with ease. Get timely payment reminders, make secure GST-compliant credit card bill payments, and track every transaction in one place.

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AU Zenith Credit Card Fees and Charges

The Zenith Card offers up to 50 days of interest-free credit on purchases. If dues remain unpaid, interest charges of 3.75% per month (45% annually) may apply.

The table below outlines other applicable charges:

Parameters	Charges
Duplicate Statement Fee	₹100
Outstation Cheque Processing Fee	₹25
Payment Return Charges	2%, or min. ₹500
Overlimit Charges	2.5%, or min. ₹500
Late Payment Charges	15% of the due amount.Min. ₹10 and max. ₹1,300

AU Zenith Credit Card Eligibility

To apply for the AU Zenith Credit Card, applicants must meet basic age and residency conditions set by the bank.

Salaried individuals should be between 21 and 60 years, while self-employed applicants must be between 25 and 65 years.
Add-on cardholders must be above 18 years and should be resident Indians.

The AU Zenith Credit Card lifetime free benefit applies to add-on cards, with up to 3 cards issued per account without any fee.

Note: Final approval depends on the bank’s internal checks and policies.

💡To get a quick approval for this credit card, ensure you meet the eligibility criteria. To receive timely payment reminders and complete payments easily, link all your credit cards to the Pice app.

Footnotes

AU Bank also offers a Zenith+ variant, which is a metal card with a joining and annual fee of ₹4,999+GST.
Utility and telecom spends earn up to 100 reward points per transaction. Dining spends are capped at 5,000 reward points per statement cycle.
You can access the domestic airport lounge only when a minimum spend of ₹20,000 is completed in a calendar quarter.
To claim insurance benefits, cardholders can contact the AU Zenith Credit Card customer care number at 1800 1200 1500.
Fuel surcharge waiver applies to transactions between ₹400 and ₹5,000 made at fuel stations across India.

FAQs

What are the annual fee waiver conditions for this card?

The first-year fee is waived on spending ₹1,25,000 within 90 days of card setup. From the second year onwards, a yearly spending of ₹5,00,000 is required for a fee waiver.

What are the charges for Priority Pass lounge visits?

Priority Pass visits beyond complimentary limits are charged at $35 plus applicable taxes. These charges apply to both domestic and international lounge access and appear in the card statement.

How does contactless payment work on this card?

You can make quick payments up to ₹5,000 by tapping your card or mobile device at a POS terminal. No PIN is required for these transactions.

What transactions are eligible for EMI conversion?

You can convert transactions of ₹500 or more into EMIs if the total reaches ₹2,000. You can combine up to 20 billed or unbilled transactions.

How can I convert transactions into EMI?

You can convert transactions through the AU 0101 app, net banking, WhatsApp banking, IVR, chatbot, or by calling customer care for quick assistance.

What is the AU Zenith Credit Card application process?

To apply for your Zenith card, select it from the list, fill out the details, upload documents, and submit the form. After verification, the bank approves and delivers the card. You can also apply offline by visiting your nearest AU Bank branch.

What is the value of reward points on this card?

Each reward point is valid for 2 years and is worth ₹0.25 for most categories and ₹0.20 for e-vouchers. For the Zenith+ variant, each reward point has a value of ₹1.