AU Small Finance Bank Zenith Credit Card
Rewards & Benefits
Welcome Benefits
Users will get vouchers worth INR 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
Dining Benefits
Other Benefits
Lounge Access
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2.5% of amount withdrawn, subject to a minimum of INR 100.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
1.99% per month (23.88% annually)
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Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of INR 100.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).
दोष
Low cashback rate.
Most of the benefits are capped at a low threshold.
Welcome Benefit: User will get vouchers worth INR 1000 on 1st POS retail transaction.
Reward System: 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%.
Quarterly Milestone: INR 1,000 vouchers on minimum INR 2 lakh 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 INR 8 lakh retail spends in a card anniversary year.
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.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Primary cardholder between the age of 21 years and 60 years.
Add-on cardholder should be over 18 years.
Resident Indian.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: User will get vouchers worth INR 1000 on 1st POS retail transaction.
Reward System: 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%.
Quarterly Milestone: INR 1,000 vouchers on minimum INR 2 lakh 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 INR 8 lakh retail spends in a card anniversary year.
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.
Low cashback rate.
Most of the benefits are capped at a low threshold.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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