AU Small Finance Bank Zenith Credit Card

Joining fee

₹7,999 + GST

Annual fee

₹7,999 + GST

Fee waiver rule

For 1st year fee waiver: ₹1,25,000 retail spends done within 90 days of card set up; For 2nd year onwards fee waiver: ₹5,00,000 retail spends done in previous card anniversary year

Add-on card fee

Your Add on card comes free for lifetime!

Reward rate

3 Reward Points per ₹100 · everyday spends3 Reward Points per ₹100 spent across merchant categories.

Reward earning on dining spends

5 Reward Points per ₹100 spent on Dining at standalone restaurants, International spends, Grocery & Departmental Stores.

Utilities earning

1 Reward Point per ₹100 spent on Insurance and Utility & Telecom categories.

Voucher and product redemption

Redeem your Reward Points for E-vouchers of top brands.

International lounge access

8 complimentary international airport lounge access annually (2 per quarter) using your Priority Pass.

Domestic lounge access

8 complimentary domestic lounge access annually (2 per quarter), upon achieving retail spends of ₹50,000 or more in preceding calendar quarter

Priority Pass

Usage of Priority Pass within India is chargeable; Issuance of Priority Pass is request-based

Hotel or travel programme

Experience luxury stay at ITC Hotels (India’s third largest Hotel chain with an array of brands offer available at 40+ properties)

Hotel or travel programme

Complimentary Visa Meet & Greet services (available at all major Indian airports for International flights (to/from) from India)

Dining programme

Premium Dining Program Dine with Visa, offering reservations & curated menus that help cardholders enjoy a unique culinary experience.

Concierge

Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.

Milestone benefits

1,000 Bonus Reward Points on achieving minimum spending of ₹50,000 or more within a statement cycle

Benefit given each anniversary year

2,500 Bonus Reward Points on completing one retail transaction on your birthday.

Fuel surcharge waiver

1% Fuel Surcharge Waiver (up to ₹100) for transactions between ₹400 and ₹5,000 at all fuel stations across the country

Air accident cover

Up to ₹2 cr: Air accident cover

Lost card liability

Zero liability on fraudulent transactions done on your lost card after you report the card loss to the bank.

Travel insurance

Baggage delay, delay in flight, loss of passport and plane hijack.

Add-on card eligibility

Add-on cardholder should be over 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 billed or unbilled transactions together for conversion

Forex markup

3.49% on foreign currency transactions.3.49% from 1 October 2026 (was 1.99%)

Cash advance fee

2.5% of the Cash withdrawal amount or ₹500, whichever is higher.

Cash withdrawal limit

20% of the card limit.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Reward redemption fee

A nominal fee of ₹99 + GST will be levied on each successful redemption

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding+ 100% of Fees/Charges+ 100% of Interest Charges+ Due EMI(s)+ 100% of Annual Membership Fee (if applicable) + 100% of GST; 2% of Principal outstanding for Customers who have paid TAD (Total Amount Due) for previous statement on/or before due date

Minimum age

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.

Residency

Resident Indian