Welcome Benefit: User will get vouchers worth Rs 1000 on 1st POS retail transaction.
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AU Zenith Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: User will get vouchers worth Rs 1000 on 1st POS retail transaction.
Milestone Benefits
Quarterly Milestone: Rs 1,000 vouchers on minimum Rs Rs 2 Lakhs retail spends done per calendar quarter. users can choose vouchers from a bouquet of top brands.; Yearly Milestone: Complimentary Epicure Membership on a minimum of Rs Rs 8 Lakhs retail spends in a card anniversary year.
Cashback Rate
Users will get 20 reward points per INR 100 retail spend on dining at standalone restaurants. Restaurant cashback rate: 5%.
10 reward points per INR 100 retail spends done on International transactions, grocery and departmental stores. Grocery cashback rate: 2.5%.
5 reward points per INR 100 retail spend done across other merchant categories. General cashback rate: 1.25%.
1 reward point per INR 100 retail spend done on BBPS and utility & telecom categories. Utility cashback rate 0.25%.
Movie Benefits
None.
Dining Benefits
Reward System: Users will get 20 reward points per Rs 100 retail spend on dining at standalone restaurants. Restaurant cashback rate: 5%.
Other Benefits
Railway Lounge Access: 2 complimentary lounge access per calendar quarter, using VISA card at railway stations in these cities – New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
Lounge Access
Airport Lounge Access: 2 complimentary lounge access per calendar quarter, using Priority Pass at all participating lounges. 4 complimentary lounge access per calendar quarter within India, using your VISA Card.; Railway Lounge Access: 2 complimentary lounge access per calendar quarter, using VISA card at railway stations in these cities – New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: User will get vouchers worth Rs 1000 on 1st POS retail transaction.
Milestone Benefits
Quarterly Milestone: Rs 1,000 vouchers on minimum Rs Rs 2 Lakhs retail spends done per calendar quarter. users can choose vouchers from a bouquet of top brands.; Yearly Milestone: Complimentary Epicure Membership on a minimum of Rs Rs 8 Lakhs retail spends in a card anniversary year.
Cashback Rate
Users will get 20 reward points per INR 100 retail spend on dining at standalone restaurants. Restaurant cashback rate: 5%.
10 reward points per INR 100 retail spends done on International transactions, grocery and departmental stores. Grocery cashback rate: 2.5%.
5 reward points per INR 100 retail spend done across other merchant categories. General cashback rate: 1.25%.
1 reward point per INR 100 retail spend done on BBPS and utility & telecom categories. Utility cashback rate 0.25%.
Movie Benefits
None.
Dining Benefits
Reward System: Users will get 20 reward points per Rs 100 retail spend on dining at standalone restaurants. Restaurant cashback rate: 5%.
Other Benefits
Railway Lounge Access: 2 complimentary lounge access per calendar quarter, using VISA card at railway stations in these cities – New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
Lounge Access
Airport Lounge Access: 2 complimentary lounge access per calendar quarter, using Priority Pass at all participating lounges. 4 complimentary lounge access per calendar quarter within India, using your VISA Card.; Railway Lounge Access: 2 complimentary lounge access per calendar quarter, using VISA card at railway stations in these cities – New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
Fees & Charges
Joining Fee
INR 7,999
Annual Fee
INR 7,999
Cash Advance Fee
2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
Interest Rate: 1.99% per month (23.88% annually)+ GST.
Late Payment Fee
Late Payment Fees: INR 0 to INR 1100 for outstanding amount ranging from Rs 0 to INR 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 1.99%
Other Fees
Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of INR 100. | Fuel Surcharge: 1% fuel surcharge refunded for all transactions (maximum of INR 1,000/- in a statement cycle).
Fees & Charges
Joining Fee
INR 7,999
Annual Fee
INR 7,999
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 1.99% per month (23.88% annually)+ GST.
Late Payment Fee
Late Payment Fees: INR 0 to INR 1100 for outstanding amount ranging from Rs 0 to INR 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 1.99%
Other Fees
Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of INR 100. | Fuel Surcharge: 1% fuel surcharge refunded for all transactions (maximum of INR 1,000/- in a statement cycle).
Special Features
Special Feature: Vouchers worth INR 1000 on 1st POS retail transaction.
Eligibility Criteria
Primary cardholder between the age of 21 years and 60 years.
Add-on cardholder should be over 18 years.
Resident Indian.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Here are the steps on how to apply for the AU Finance Bank Zenith Credit Card:
Go to the AU Bank website and click on the "Credit Cards" tab.
Click on the "Apply Now" button for the Zenith Credit Card.
You will be asked to provide your personal information, such as your name, address, date of birth, and contact details.
You will also be asked to provide your income and employment details.
You will need to upload a copy of your PAN card and recent salary slip.
You will need to provide your CIBIL score.
Once you have submitted your application, you will be contacted by AU Bank for further processing.
Contact Details
Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in
Account Opening and Procedure
AU Bank Zenith Credit Card has limited number of value add benefits. Even the cashback rate is very low. If you are looking for a premium credit card, Zenith may not satisfy all your expectations.
AU Bank Zenith Credit Card has limited number of value add benefits. Even the cashback rate is very low. If you are looking for a premium credit card, Zenith may not satisfy all your expectations.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai