AU Bank Zenith Credit Card
AU Small Finance Bank · Visa + RuPay · Premium card
Provides eight annual international airport lounge visits and a lower-than-standard forex markup for travellers who can clear the annual fee waiver.
Frequent international airport lounge users who can spend enough to waive the premium annual fee.
Terms checked 13 Sept 2026
- Annual fee
- ₹7,999 + GST
- Joining fee
- ₹7,999 + GST
- Base reward rate
- 0.8%
- Forex markup
- 2.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 1.3% |
| Dining & delivery | 1.3% |
| International spending | 1.3% |
| Online shopping | 0.8% |
| Travel & hotels | 0.8% |
| Beauty & wellness | 0.8% |
| Entertainment & movies | 0.8% |
| Healthcare & pharmacy | 0.8% |
| Subscriptions & streaming | 0.8% |
| Offline store shopping | 0.8% |
| Other miscellaneous | 0.8% |
| Gold & jewellery | 0.8% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹5,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 8 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Requires ₹50,000 per Calendar quarter for the following calendar quarter
2 international airport lounge visits per quarter · Priority Pass
Guest access: Chargeable
Priority Pass use within India is chargeable.
Spend condition: Domestic access requires ₹50,000 eligible retail spend in the preceding calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Accelerated Zenith rewards
Usage-based value5 reward points per ₹100 on eligible dining, grocery and international transactions.
Dining rewards
Usage-based value5 reward points per ₹100 on eligible dining, subject to the separate 5,000-point statement-cycle dining cap.
Utility, telecom and insurance rewards
Usage-based value1 reward point per ₹100 on eligible utility, telecom and insurance transactions; utility earning is limited to 100 points per transaction.
Other eligible rewards
Usage-based value3 reward points per ₹100 on other eligible retail purchases.
Birthday bonus reward points
Shown without a cash valueFive points per ₹100 on dining, grocery and international spend; three points on other eligible spend
Shown without a cash value1,000 bonus points in each statement cycle with ₹50,000 eligible retail spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹7,999₹7,999 annual fee before applicable tax.
Joining fee
Cost ₹7,999₹7,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹7,999Annual fee may be waived after ₹5,00,000 of eligible annual spending.
Conditions: Reach ₹5,00,000 eligible annual spending
Spend milestones · 1 item
1,000 points at ₹50,000 statement-cycle spend
1,000 reward unitsUnlocked after ₹50,000 of eligible spending.
Conditions: Reach ₹50,000 per statement cycle
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified.
Conditions: Spend ₹50,000 per calendar quarter
International lounge access
Usage-based value2 visits per quarter through Priority Pass. Guest access: chargeable. Priority Pass use within India is chargeable.
Dining · 1 item
Visa and RuPay hotel, dining, airport and lifestyle privileges
Shown without a cash value
Insurance and protection · 2 items
Air-accident, card-liability, credit-shield and purchase-protection benefits under the issuer policy
Shown without a cash value1.99% forex markup plus concierge, insurance, fuel-waiver and birthday benefits
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹1,000 per statement through September 30, 2026
Shown without a cash value
Concierge · 1 item
24-hour global concierge assistance
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value1.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU Small Finance Bank does not publish a universal numeric income threshold on the reviewed Zenith product page.
Other benefits · 1 item
First-year fee waiver after ₹1.25 lakh retail spend within 90 days
Shown without a cash value
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ Five points per ₹100 on dining, grocery and international spend; three points on other eligible spend
- ✓ 1,000 bonus points in each statement cycle with ₹50,000 eligible retail spend
- ✓ Two domestic and two international lounge visits per quarter, with a domestic spend condition
- ✓ 1.99% forex markup plus concierge, insurance, fuel-waiver and birthday benefits
What to watch
The list fee is ₹7,999 plus tax, domestic airport lounge visits require ₹50,000 of preceding-quarter retail spend, and Priority Pass use within India is chargeable.
Recorded exclusions
Fuel Commute · Rent · Education Family · Government payments · Wallet load · Emi · Cash withdrawal · Quasi cash · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
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Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Fuel surcharge waiver cap scheduled to reduce
AU Small Finance Bank has published a lower statement-cycle fuel-waiver cap.
- Before
- The waiver is capped at ₹1,000 per statement cycle through September 30, 2026.
- After
- The waiver will be capped at ₹100 per statement cycle from October 1, 2026.
Checked 21 Sept 2026AU Zenith future fuel-waiver notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026