AU Bank Zenith Credit Card
AU Small Finance Bank · Visa
Why this card?
- 1.25% back in reward points on international spends and groceries; 0.75% on other spends
- ₹2,999 joining fee, ₹7,999 annual fee; renewal fee waived on ₹5 lakh yearly spend
- 8 domestic and 8 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- AU Small Finance Bank
- Network
- Visa
- Annual Fee
- ₹7,999
- Joining Fee
- ₹2,999
- Reward Type
- points
- Best Reward Rate
- 1.25% on dining (capped at ₹1250/month)
- Forex Markup
- 3.49%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹50,000
- Rates verified
- 2026-10-06
Our verdict
AU Bank Zenith is AU's premium points card — 8 domestic and 8 international lounge visits a year (domestic visits need ₹50,000 spend in the preceding quarter), 3 reward points per ₹100 (about 0.75% back) on base spend and 5 per ₹100 (about 1.25%) on dining, international and grocery spend. The fee is ₹7,999/year (waived at ₹5L spend) plus a ₹2,999 joining fee, so lounge use and steady spending are what justify it.
Pros
- 8 domestic lounge visits per year (needs ₹50,000 spend in the preceding quarter)
- 8 international lounge visits per year
- 5 reward points per ₹100 (about 1.25%) on dining, international and grocery spend; dining earn is capped at ₹1,250 a month
- 1,000 bonus points at ₹50,000 monthly spend and 2,500 bonus points on a birthday transaction
Cons
- ₹7,999 annual fee plus ₹2,999 joining fee; waiver needs ₹5L annual spend
- 3.49% forex markup — high for a card pitched at travelers
- AU Small Finance Bank has fewer branches and touchpoints than HDFC or ICICI
- Points redemption ecosystem less mature than HDFC or Axis