Au Bank Zenith Credit Card

AU Bank Zenith Credit Card is a premium credit card offered by AU Bank. The card is issued with an annual membership fee of Rs. 7,999. It comes packed with a plethora of best-in-class privileges that one expects from a premium credit card, such as attractive milestone benefits, complimentary domestic as well as international lounge access, comprehensive insurance cover, lower foreign currency markup, and many other premium benefits.

Talking about the reward rate associated with the card, you get a very decent reward rate of 1.25% on regular spends and an accelerated reward rate on dining at standalone restaurants (4X), grocery and departmental store spends (2X), and international transactions (2X).

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Au Bank Zenith Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.

reward and benefits +

Movie & Dining

20 Reward Points for every Rs. 100 spent on dining at standalone restaurants

Rewards Rate

20 Reward Points for every Rs. 100 spent on dining (reward rate = 5%), 10 Reward Points for every Rs. 100 spent on international purchases and grocery & departmental stores (reward rate = 2.5%) and 5 Reward Points for every Rs. 100 spent on all other spends except fuel (reward rate = 1.25%)

Travel

Reward Points can be redeemed for flight and hotel bookings on the AU Rewardz portal and complimentary access to IRCTC lounges.

Reward Redemption

Reward Points can be redeemed for merchandise, e-vouchers, mobile or DTH recharges, flight or hotel bookings on AU Rewardz portal, 1 RP = Rs. 0.25

Domestic Lounge Access

4 per quarter with Visa domestic lounge access program

International Lounge Access

2 every quarter with Priority Pass membership

free & charges +

Fuel Surcharge

1% fuel surcharge waived off at all fuel pumps all over India (no max cap applicable)

Cash Advance Charges

2.5% of the transaction amount (subject to a minimum charge of Rs. 100)

Foreign Currency Markup

1.99% of the transaction amount

Spend Based Waiver

Joining fee can be waived on spending of Rs. 1.25 lakh within 90 days of card activation, annual fee can also be waived on spending Rs. 5 lakh in the previous year

product details +

  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.

pros / cons +

Pros

  • With this credit card, you can get airport and railway lounge access.
  • The foreign currency markup fee is low at 1.99% of the transaction amount.

Cons

  • This card comes at a high joining fee of Rs. 7,999
  • There are no golf and movie benefits provided with this card.