CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
AU Small Finance Bank

AU Bank Zenith Credit Card

38
Ranked #50 of 170 in credit
creditVisaSuper-Premium

AU Bank's flagship premium credit card offering 8 domestic + 8 international lounge visits, the lowest interest rate in AU's card range, and strong reward multipliers, positioned below the newer Zenith+ tier.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value28/100 · weight 71%
≈ 1.25% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency48/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks75/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹7,999 + 18% GST
= ₹9,439 total
Annual fee
₹7,999 + 18% GST
= ₹9,439 / year total
Waiver: 1st year: Rs1,25,000 retail spend within 90 days of setup; 2nd year onwards: Rs5,00,000 retail spend in preceding anniversary year. Lifetime free for government/select MNC employees.
Forex markup
1.99%

Lounge access

Domestic (per year)
8
International (per year)
8

Reward structure

CategoryTypeRateCapNotes
all_spendspoints1.25%(5 pts @ ₹0.25)—Up to 5 RP per Rs100 per AU official card page

Welcome offer

Welcome benefit and card-linked offers per bank T&Cs (varies by promotion period)

Milestone benefits

Pros

  • Lowest revolving-credit interest rate in AU lineup (1.99%/month)
  • strong lounge access (8+8)
  • unlimited lounge access claimed by some reviews (verify — see conflict note)
  • global concierge
  • lifetime free for govt/MNC employees

Cons

  • High fee unless spend threshold met or govt/MNC-eligible
  • joining benefits less clearly documented than competing bank flagships

What's inside

More benefits

  • Birthday bonus points

    ₹625

    2,500 bonus reward points on completing one retail transaction on cardholder birthday

    Cap ₹625 / yearly. One retail transaction on birthday

  • Global concierge

    24x7 assistance for travel bookings, golf sessions, dining reservations

    unlimited.

  • Fuel surcharge waiver

    1% fuel surcharge waiver across all fuel stations

    Cap ₹12,000 / monthly. Capped Rs1,000/statement cycle

Insurance cover

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₹NaN

Eligibility

text
Rs10L+ annual income indicative; 750+ CIBIL preferred; select cities

Small print

Fuel surcharge:1% fuel surcharge waiver, capped at Rs1,000 per statement cycle