INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official aubank.in (AU Small Finance Bank) Most Important Terms and Conditions (MITC).

🏛️AU Small Finance Bank Ltd.Network: Visa InfiniteTravel & Aviation CardsLast Verified: 2026-09-28

AU Small Finance Bank Zenith Credit Card

एयू स्मॉल फाइनेंस बैंक जेनिथ क्रेडिट कार्ड

Super-premium metal card offering 16 domestic & 8 international lounge visits, 10X points on dining, low 1.99% forex markup, and golf games.

Annual Fee₹7,999 + GST (Renewal: ₹7,999 + GST)

Reward Rate10 Reward Points per ₹100 spent on dining and international transactions (effective 2.50% return). 4 Reward Points per ₹100 on grocery, departmental stores, and travel. 2 Reward Points per ₹100 on other retail spends.

Airport Lounge16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 8 complimentary international airport lounge visits per calendar year via Priority Pass. 8 railway lounge visits per year.

Forex MarkupLow 1.99% + GST markup on foreign currency transactions.

What Is This Card

AU Small Finance Bank Zenith Credit Card is AU Bank's flagship super-premium metal card. Engineered for luxury travelers and corporate leaders, it delivers 16 domestic and 8 international airport lounge accesses, 10 points per ₹100 on dining and international spends, a low 1.99% forex markup, low 1.99% APR, and BookMyShow B1G1 tickets up to ₹500.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹7,999 + GST (Renewal: ₹7,999 + GST)

Fee Waiver: Spend ₹5,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹7,999 waived.

🎁Welcome Benefit

10,000 bonus Reward Points (worth ₹2,500) or luxury hotel/dining voucher credited upon fee payment and spending ₹1 Lakh in 60 days.

⚡Reward Points Structure

10 Reward Points per ₹100 spent on dining and international transactions (effective 2.50% return). 4 Reward Points per ₹100 on grocery, departmental stores, and travel. 2 Reward Points per ₹100 on other retail spends.

Redemption Value: 1 Reward Point = ₹0.25 against shopping vouchers, flight bookings, or statement credit.

🛫Airport & Railway Lounge Access

16 complimentary domestic airport lounge visits per calendar year (4 visits per calendar quarter). 8 complimentary international airport lounge visits per calendar year via Priority Pass. 8 railway lounge visits per year.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹2 Crores. Emergency overseas medical treatment cover up to $25,000. Baggage delay/loss cover up to ₹50,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹1,000 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Complimentary rounds of golf (up to 2 per month). Buy 1 Get 1 free movie ticket discount on BookMyShow up to ₹500 (twice a month). Low 1.99% forex markup.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee waiver requires spending ₹5 Lakhs in the anniversary year. Base reward earn rate on general non-dining retail is 0.50%. High ₹7,999 annual fee.

Forex Markup FeeLow 1.99% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹100 (whichever is higher) + 1.99% monthly finance charges.

Finance Charges (Interest)1.99% per month (23.88% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹1,50,000. Self-employed individuals aged 21 to 60 with annual ITR exceeding ₹18,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,50,000/month (Salaried) / ₹18,00,000/year ITR (Self-Employed)

CIBIL Score NoteA pristine credit score of 760+ is standard. AU Royale wealth banking customers receive priority processing.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit aubank.in/zenith or apply via AU0101 app.

2Enter PAN and mobile number for soft algorithmic underwriting.

3Select AU Zenith Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Handcrafted metal card delivered via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any AU Small Finance Bank branch through a Royale Relationship Manager with PAN, Aadhaar, salary slips, and Form 16.

Visit Official Card Page (aubank.in)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on AU Small Finance Bank Zenith Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).. In addition, revolving finance charges at 1.99% per month (23.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on AU Small Finance Bank Zenith Credit Card into EMI?

Yes, AU Small Finance Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on AU Small Finance Bank Zenith Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into AU Small Finance Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 against shopping vouchers, flight bookings, or statement credit. Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on AU Small Finance Bank Zenith Credit Card and how does it work?

The interest-free period on AU Small Finance Bank Zenith Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (1.99% per month (23.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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