AU Zenith credit card

AU Zenith

AU Small Finance Bank · Visa

AU Bank Zenith is AU Small Finance Bank is premium credit card — 10X reward points on international and online travel spends, 5X on dining and grocery, decent lounge access and solid insurance cover. The Rs.2,999 annual fee is waived at Rs.3 Lakh spend. A strong contender for mid-premium card seekers from a newer banking player.

Annual Fee

₹4,999

Waived at ₹8.0L spend

Joining Fee

₹4,999

Base Reward Rate

2X

₹1/pt

Min CIBIL

700

₹7L+ income

Key Features

10X reward points on online travel bookings
5X on dining and grocery spends
3X on all other spends
Annual fee waived at Rs.3 Lakh spend
8 domestic + 2 international lounge visits per year
Air accident cover Rs.1 Crore
Emergency overseas medical cover
Welcome bonus: 10,000 reward points

Welcome Benefits

✓

10,000 Bonus Reward Points

Receive 10,000 reward points on first transaction within 30 days of card issuance. Worth approximately Rs.1,000-2,000 in AU reward catalogue.

Reward Rates by Category

Dining

4X

Travel

4X

Online

4X

Shopping

2X

Grocery

2X

Fuel

2X

Utilities

4X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
Online Travel BookingsTravel10X
International SpendsInternational10X
DiningFood5X
GroceryGrocery5X

Milestone Benefits

₹5.0 L

Annual Fee Waiver

Spend ₹5 lakhs to waive the annual fee for the following year

Annual

₹10.0 L

15,000 Bonus Reward Points

Earn 15,000 bonus reward points on crossing ₹10 lakh annual spend

Annual

Airport Lounge Access

Domestic

8 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

Accidental death while travelling by air.

Rs.1 Crore

Emergency Overseas Medical

Medical emergencies while travelling internationally.

Rs.10 Lakh

Eligibility Criteria

Age

21–65 years

Salaried Income

₹6.0 L+ per year

Self-Employed

₹8.0 L+ ITR

Min CIBIL Score

720+

Salaried: Rs.6 Lakh annual income. AU Bank has been gradually expanding its credit card footprint. Existing AU Bank savings account holders have better approval odds.

Pros

  • 10X reward points on international and online travel bookings
  • 5X reward points on dining and grocery spends
  • 3X on all other categories
  • Annual fee waived at Rs.3 Lakh spend
  • 8 domestic + 2 international lounge visits per year
  • Air accident cover Rs.1 Crore
  • Welcome bonus: 10,000 reward points on activation

Cons

  • AU Small Finance Bank has smaller brand presence than HDFC/ICICI/Axis
  • Reward redemption options fewer than established bank cards
  • No transfer to airline programs (points redeemed via AU catalogue)
  • 2 international lounge visits per year is low
  • Card acceptance sometimes lower at smaller merchants

Redemption Options

Statement credit

Auto credited monthly₹1/pt

Frequently Asked Questions

Is AU Zenith a good card if I already have HDFC Regalia Gold?+
For most people, HDFC Regalia Gold is better — stronger partner multipliers (5X on more platforms), better transfer partners, more established network. AU Zenith is worth considering if you travel internationally frequently (10X on international spends) and want a backup card with solid earn rates.
Can AU Zenith points be transferred to airline miles?+
AU Bank reward points are primarily redeemed through the AU catalogue and selected gift vouchers. Unlike HDFC or Axis cards, there is no direct transfer to major airline programs like Singapore KrisFlyer or Air India. If transferable miles are important, cards from HDFC, Axis or Amex offer better options.
How many lounge visits does AU Zenith give?+
8 complimentary domestic lounge visits per year and 2 international lounge visits via Priority Pass. Domestic access is reasonable. international is limited at 2 per year.

Ready to apply?

Apply on the AU Small Finance Bank website. Usually takes 10 minutes.

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AU Zenith

₹4,999/yr · 2X rewards