AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank · Premium
Annual / renewal fee
₹7,999 + GST.
Official source not yet captured
Earn rate
Confirm on the official page
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
AU Bank's premium card with one standout trick: 20 reward points per ₹100 on standalone-restaurant dining — about 5% back, among the highest dining earn rates in India — plus a 1.99% forex markup. The rest of the card is more ordinary than the fee suggests.
Best for
- Heavy standalone-restaurant diners — the ~5% dining earn is the entire reason to hold this card.
- International spenders who want a 1.99% forex markup.
- Existing AU Bank customers who can clear the quarterly ₹50k lounge gate naturally.
Official source not yet captured
Not ideal for
Anyone whose spending isn't dining-led — the 0.75% base rate is weak for a ₹7,999 card, domestic lounge access is spend-gated, and a ₹99 fee applies per reward redemption.
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Fees
Joining fee
₹7,999 + GST.
Official source not yet captured
Annual / renewal fee
₹7,999 + GST.
Official source not yet captured
Fee waiver
- First year waived on ₹1.25 lakh retail spends within 90 days of setup.
- From year two, waived on ₹5 lakh retail spends in the preceding card anniversary year.
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Rewards
Dining (standalone restaurants)
20 reward points per ₹100 — about 5% back at 1 RP = ₹0.25
Official source not yet captured
International, grocery & departmental stores
10 reward points per ₹100 (~2.5% back)
Official source not yet captured
Other retail spends
Base rate around 3 RP per ₹100 (~0.75%); insurance and utilities earn just 1 RP per ₹100 — confirm current rates on the official page
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Birthday bonus
2,500 reward points on a retail transaction made on your birthday
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Plain math
₹15,000/month of standalone-restaurant dining earns ~36,000 points a year ≈ ₹9,000 — covering the fee from dining alone. On regular spends the 0.75% base would take ₹10 lakh+ to do the same, so this card lives or dies on your dining bill.
Travel & lounge
Lounge access
- 8 domestic lounge visits per year (2 per quarter) — conditional on ₹50,000+ retail spends in the preceding calendar quarter — plus 8 international visits per year (2 per quarter) via Priority Pass (Priority Pass use within India is chargeable).
- Railway lounge access included.
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Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
₹1,000 brand vouchers on the first POS retail transaction, plus 10,000 bonus reward points on ₹1 lakh retail spends — both within 60 days of card setup.
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
1.99%.
Official source not yet captured
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Not published in the official documents on file — see the official T&C link below.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Last reviewed 2026-06-12 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.