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AU Small Finance Bank Zenith Credit Card

AU Small Finance Bank Zenith Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Premium

Annual Fee

₹7999

Base Rate

3.0%

Reward Type

Points

Overview

The AU Small Finance Bank Zenith Credit Card is a Premium credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 3.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹7,999
Eligibility: Primary cardholder must be between 21-60 years old. Requires a high income and strong credit profile.

Reward Rates & Cashback Rules

  • CATEGORY – Dining: 5.0% cashback | monthly cap ₹1250.0
  • CATEGORY – International: 5.0% cashback
  • CATEGORY – Grocery: 5.0% cashback
  • CATEGORY – Departmental Stores: 5.0% cashback
  • CATEGORY – Insurance: 1.0% cashback
  • CATEGORY – Utilities: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward points are capped at 100 RP per transaction.
  • CATEGORY – Telecom: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward points are capped at 100 RP per transaction.
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – BBPS: 0.0% cashback
  • CATEGORY – Transportation: 0.0% cashback

Key Features & Benefits

  • Domestic Airport Lounge Access ✈️: 2 complimentary visits per calendar quarter, subject to spending ₹50,000 in the previous quarter.
  • International Airport Lounge Access ✈️: 2 complimentary visits per calendar quarter using the Priority Pass card.
  • Railway Lounge Access 🚆: 2 complimentary visits per calendar quarter for primary and add-on cardholders.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on all fuel transactions, capped at ₹1,000 per statement cycle.
  • Monthly Milestone Benefit 🏆: 1,000 bonus Reward Points on retail spends of ₹50,000 or more in a statement cycle.
  • Birthday Benefit 🎂: 2,500 bonus Reward Points on completing one retail transaction on your birthday.
  • Comprehensive Insurance 🛡️: Includes Air Accident Cover up to ₹2 crore, Credit Shield up to ₹5 lakh, and Purchase Protection up to ₹50,000.

Eligibility Criteria

Primary cardholder must be between 21-60 years old. Requires a high income and strong credit profile.

Features & Benefits

✈️

Domestic Airport Lounge Access

2 complimentary visits per calendar quarter, subject to spending ₹50,000 in the previous quarter.

✈️

International Airport Lounge Access

2 complimentary visits per calendar quarter using the Priority Pass card.

🚆

Railway Lounge Access

2 complimentary visits per calendar quarter for primary and add-on cardholders.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on all fuel transactions, capped at ₹1,000 per statement cycle.

🏆

Monthly Milestone Benefit

1,000 bonus Reward Points on retail spends of ₹50,000 or more in a statement cycle.

🎂

Birthday Benefit

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

🛡️

Comprehensive Insurance

Includes Air Accident Cover up to ₹2 crore, Credit Shield up to ₹5 lakh, and Purchase Protection up to ₹50,000.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Dining
Reward: 5.0% Monthly Cap: ₹1250.0
5%
International
Reward: 5.0%
5%
Grocery
Reward: 5.0%
5%
Departmental Stores
Reward: 5.0%
5%
Insurance
Reward: 1.0%
1%
Utilities
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward points are capped at 100 RP per transaction.
1%
Telecom
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward points are capped at 100 RP per transaction.
1%
Rent Exclusion
Education Exclusion
Government Exclusion
EMI Exclusion
Fuel Exclusion
BBPS Exclusion
Transportation Exclusion

Value Chart

Assuming basic spends for AU Small Finance Bank Zenith Credit Card

Category AU Small Finance Bank Zenith Credit Card Axis Bank Atlas Credit Card Miles & More World Select Credit Card BOBCARD Eterna Credit Card
₹
Joining Fee 		₹7999 ₹0 ₹0 ₹0
₹
Annual Fee 		₹7999
Joining fee waived on spending ₹1,25,000 in first 90 days. Annual fee waived on spending ₹5,00,000 in the previous year.
 ₹5000 ₹4500 ₹2499
🌍
Forex Markup 		1.99% 3.5% 3.5% 3.5%
%
Base Rate 		3.0% 2.0% 3.0% 3.0%
★
Known Rules 		14 rules 11 rules 9 rules 10 rules

Pros & Cons

✓

Pros

  • + Dining — 5.0% Points (cap ₹1250.0)
  • + International — 5.0% Points
  • + Grocery — 5.0% Points
  • + Departmental Stores — 5.0% Points
  • + Insurance — 1.0% Points
  • + Domestic Airport Lounge Access
  • + International Airport Lounge Access
  • + Railway Lounge Access
  • + Fuel Surcharge Waiver
✗

Cons

  • − No reward on Rent
  • − No reward on Education
  • − No reward on Government
  • − No reward on EMI
  • −High annual fee of ₹7999

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹9000

Annual Fee

₹7999

Net Value

+₹1001

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › Your monthly spends are below ₹25,000 — fee won't be recovered
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

One Reward Point is valued at ₹0.25.

The annual fee of ₹7,999 is waived if you achieve retail spends of ₹5,00,000 or more in the preceding card anniversary year.

The card has a low foreign currency markup fee of 1.99% on all international transactions.

Yes, no reward points are earned on Fuel, Rent, Education, Government payments, EMI, BBPS, and Transportation spends.

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