एयू स्मॉल फाइनेंस बैंक जेनिथ क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: AU Small Finance Bank Ltd.
Super-premium metal card offering 16 domestic & 8 international lounge visits, 10X points on dining, low 1.99% forex markup, and golf games.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
10,000 bonus Reward Points (worth ₹2,500) or luxury hotel/dining voucher credited upon fee payment and spending ₹1 Lakh in 60 days.
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.
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).
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.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹1,50,000/month (Salaried) / ₹18,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit aubank.in/zenith or apply via AU0101 app. Step 2: Enter PAN and mobile number for soft algorithmic underwriting. Step 3: Select AU Zenith Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Handcrafted metal card delivered via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.