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AU Bank Zenith Credit Card Review 2026
The au zenith credit card earns 5 Reward Points per ₹100 on dining, grocery, departmental stores and international spends - up to 1.25% back. ₹7,999 fee, waivable at ₹5 lakh spend.
3.9
/5
Card24 Score
Rewards 4.1
Travel 4.2
Fees 2.6
Last reviewed April 2026 · Card24.ai editorial team
Annual Fees
₹7,999 + GST (joining and annual)
Accelerated Earn
5 RP/₹100 Eligible Spends*
Lounge & Travel
16 Annual Lounge Visits*
Credit Card Verdict AU Bank Zenith
What we like
- The au zenith credit card delivers 5 Reward Points per ₹100 (1.25% value back) on dining at standalone restaurants, grocery, departmental stores and international spends — one of the more generous accelerated rates among Indian rewards cards, redeemable via the AU Rewardz portal for flights and hotels.
- Frequent travellers benefit from 8 complimentary domestic lounge visits, a Priority Pass membership with 8 international lounge visits, and 2 IRCTC railway lounge visits per quarter — combined with a low 1.99% forex markup, the au bank zenith credit card benefits stretch well beyond everyday spending into genuine travel value.
- New cardholders get ₹1,000 in partner brand vouchers on their first retail transaction plus 10,000 bonus Reward Points on crossing ₹1,00,000 in spend within 60 days — a welcome package worth roughly ₹3,500-4,000 that meaningfully offsets the au zenith credit card's steep joining fee in the first two months.
- Cardholders also receive ₹2 crore air accident cover, a 2,500-point birthday bonus, and 24×7 global concierge access for travel and dining bookings — premium touches that reinforce why the au zenith credit card benefits skew toward high-spending, travel-oriented users.
Watch out for
- At ₹7,999+GST, the au bank zenith credit card carries one of the highest annual fees among Indian rewards cards, and the fee is not waived in the first year under any circumstance- it only becomes waivable from the second year onward.
- The 'au zenith credit card lifetime free' search many users run doesn't reflect reality- there is no permanent free version of this card. The annual fee waiver requires ₹5,00,000 in cumulative retail spend in the preceding card year, a threshold only high spenders will comfortably cross.
- Fuel transactions earn zero Reward Points on the au zenith credit card, dining rewards are capped at 5,000 RP per statement cycle, and utility/telecom spends are capped at just 100 RP per transaction- heavy fuel spenders and bill-payers should not expect much value here.
- Domestic lounge access is conditional, not automatic- the 2 complimentary visits per quarter only unlock after ₹20,000 in that quarter's spend, and the benefit activates 2 days later. Occasional travellers who miss this threshold lose the au bank zenith credit card benefits tied to lounge access entirely.
Card24.ai review of the au zenith credit card is based on official aubank.in data and verified aggregators as of July 2026. Annual fee ₹7,999+GST, waived from year 2 on ₹5,00,000 prior-year spend- this is not a genuine 'au zenith credit card lifetime free' offering. Reward rates, caps and lounge conditions are subject to change. Verify current au bank zenith credit card benefits and terms at aubank.in.
Credit Card Achievers AU Bank Zenith
Is the AU Bank Zenith Credit Card Worth It in 2026?
The AU zenith credit card is worth its steep ₹7,999 annual fee only for high spenders who regularly dine out, shop at grocery and departmental stores, or transact internationally. At 5 Reward Points per ₹100 (1.25% value back) on these categories, plus Priority Pass lounge access and a low 1.99% forex markup, it competes well against India's premium travel and dining cards - but the entry cost puts it out of reach for casual users.
Beyond the accelerated categories, the au bank zenith credit card benefits extend to 8 complimentary domestic lounge visits a year (unlocked quarterly on ₹20,000 spend), 8 international lounge visits via Priority Pass, 2 railway lounge visits per quarter, ₹2 crore air accident cover, and a 24×7 global concierge. New cardholders also get ₹1,000 in vouchers and 10,000 bonus Reward Points on crossing ₹1,00,000 in spend within 60 days. Reward Points redeem via the AU Reward portal for flights, hotels, and vouchers, giving the card genuine flexibility for travel-focused households.
Searches for 'au zenith credit card lifetime free' are common, but the card isn't free by default - the ₹7,999 fee only waives from year two if you spend ₹5,00,000 in the prior card year. Fuel transactions also earn zero Reward Points, and utility/telecom spends are capped at 100 RP per transaction, so this card works best as a dining, grocery, and travel card, not a general-purpose one.
Beyond the accelerated categories, the au bank zenith credit card benefits extend to 8 complimentary domestic lounge visits a year (unlocked quarterly on ₹20,000 spend), 8 international lounge visits via Priority Pass, 2 railway lounge visits per quarter, ₹2 crore air accident cover, and a 24×7 global concierge. New cardholders also get ₹1,000 in vouchers and 10,000 bonus Reward Points on crossing ₹1,00,000 in spend within 60 days. Reward Points redeem via the AU Reward portal for flights, hotels, and vouchers, giving the card genuine flexibility for travel-focused households.
Searches for 'au zenith credit card lifetime free' are common, but the card isn't free by default - the ₹7,999 fee only waives from year two if you spend ₹5,00,000 in the prior card year. Fuel transactions also earn zero Reward Points, and utility/telecom spends are capped at 100 RP per transaction, so this card works best as a dining, grocery, and travel card, not a general-purpose one.
Best For: High spenders on dining, grocery, departmental stores and international transactions who can cross ₹5,00,000 in annual spend for a fee waiver.
AU Zenith Credit Card Benefits
How to Get Maximum Value from Your AU Bank Zenith Credit Card
Route your dining and international spends through the AU zenith credit card first - these earn 5 Reward Points per ₹100 (1.25% back), well above the 3 RP/₹100 base rate. Watch the 5,000 RP dining cap per statement cycle if you eat out frequently within a single billing period.
Consolidate grocery and departmental store purchases on this card to capture the same 5X earn rate that applies to dining. A household spending ₹15,000/month across these categories earns 750 Reward Points monthly - meaningfully boosting progress toward the ₹5,00,000 annual fee-waiver threshold, one of the strongest AU bank zenith credit card benefits for regular households.
Track your quarterly card spend and keep it above ₹20,000 to unlock the 2 complimentary domestic lounge visits each quarter - the benefit activates 2 days after you cross the threshold, so plan ahead of travel dates. Missing this by even a small margin forfeits the quarter's lounge access on the AU zenith credit card.
If you're chasing the fee waiver, check your running spend on the AU 0101 app through the year. Since the AU bank zenith credit card annual fee waiver needs ₹5,00,000 in the prior card year, routing one or two large planned purchases - insurance premiums, big-ticket electronics - through the card near year-end can help you cross the line.
Use the AU zenith credit card for international transactions specifically: at 5 Reward Points per ₹100 plus a low 1.99% forex markup, it beats most Indian cards on foreign spend. Pair it with a dedicated fuel or utility-focused card for petrol and bill payments, since both earn little to nothing here.
Consolidate grocery and departmental store purchases on this card to capture the same 5X earn rate that applies to dining. A household spending ₹15,000/month across these categories earns 750 Reward Points monthly - meaningfully boosting progress toward the ₹5,00,000 annual fee-waiver threshold, one of the strongest AU bank zenith credit card benefits for regular households.
Track your quarterly card spend and keep it above ₹20,000 to unlock the 2 complimentary domestic lounge visits each quarter - the benefit activates 2 days after you cross the threshold, so plan ahead of travel dates. Missing this by even a small margin forfeits the quarter's lounge access on the AU zenith credit card.
If you're chasing the fee waiver, check your running spend on the AU 0101 app through the year. Since the AU bank zenith credit card annual fee waiver needs ₹5,00,000 in the prior card year, routing one or two large planned purchases - insurance premiums, big-ticket electronics - through the card near year-end can help you cross the line.
Use the AU zenith credit card for international transactions specifically: at 5 Reward Points per ₹100 plus a low 1.99% forex markup, it beats most Indian cards on foreign spend. Pair it with a dedicated fuel or utility-focused card for petrol and bill payments, since both earn little to nothing here.
AU Bank Zenith Credit Card Annual Fees
| Joining Fees | ₹7,999 + GST |
| Annual Fees | ₹7,999 + GST per year |
| Earn Rate - 5X Categories | 5 Reward Points per ₹100 on dining, grocery, departmental stores, international (1.25% value back) |
| Earn Rate - Base & Reduced Tiers | 3 RP/₹100 (0.75%) on other eligible spends | 1 RP/₹100 on insurance & utility/telecom (capped 100 RP/txn) | Fuel: 0 RP on the AU zenith credit card |
| Forex Markup | 1.99% on foreign currency transactions |
AU Zenith Credit Card Eligibility & Documents
Age 21–60 years
Minimum annual income AU Bank does not publish a fixed minimum income threshold publicly for this card
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slips
Residency Indian residents with current and permanent address within India.
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for AU Zenith Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Process - Click 'Apply Now' → enter PAN number, registered mobile number, and date of birth for an instant eligibility pre-check
2
Enter personal details - Fill in personal and employment details: name, address, occupation, income (net monthly salary or annual ITR)
3
Documents Required - Upload KYC documents: PAN card, Aadhaar/Passport/Driving Licence, income proof (salary slip, Form 16 or ITR), address proof → complete Video KYC if prompted
*T&C Apply
Frequently Asked Questions
The AU zenith credit card (also called the AU bank zenith credit card) is a premium rewards credit card issued by AU Small Finance Bank on the Visa network. It earns 5 Reward Points per ₹100 (1.25% value back) on dining, grocery, departmental stores, and international spends, plus 3 RP/₹100 on other eligible categories. The card carries a ₹7,999+GST joining and annual fee, waived from year 2 if annual spend crosses ₹5,00,000, and includes Priority Pass lounge access, railway lounge visits, and ₹2 crore air accident cover.
The AU zenith credit card carries a joining and annual fee of ₹7,999+GST. It is not officially 'AU zenith credit card lifetime free' - the fee is charged every year from year one, and only waived from year 2 onward if cumulative retail spend in the preceding card anniversary year reaches ₹5,00,000. High spenders on dining, grocery, and travel can realistically hit this threshold; casual users will pay the fee annually.
The AU zenith credit card earns 5 Reward Points per ₹100 (approximately 1.25% value back at ₹0.25/RP) on dining at standalone restAUrants, grocery purchases, and departmental store spends. Dining rewards are capped at 5,000 Reward Points per statement cycle. This is one of the strongest AU zenith credit card benefits for households and frequent diners, compared to the 3 RP/₹100 (0.75%) earned on general spends.
Yes. The AU bank zenith credit card offers 8 complimentary domestic airport lounge visits per year (2 per quarter, unlocked on ₹20,000 quarterly spend), plus a complimentary Priority Pass membership with 8 international lounge visits per year. Cardholders also get 2 complimentary IRCTC railway lounge visits per quarter at select stations, available to both primary and add-on cardholders.
To apply for the AU zenith credit card online, visit AUbank.in or the AU 0101 mobile app, select the Zenith Credit Card, and enter your PAN, mobile number, and date of birth for an eligibility pre-check. Fill in your income and employment details, upload KYC documents (PAN, Aadhaar or passport, income proof), complete Video KYC if prompted, and submit. Track your application status through the AU Bank website or app.