AU Zenith Credit Card Review 2026 — Fees, Rewards & Eligibility

Why Choose the AU Zenith Credit Card?

The AU Zenith Credit Card is a Premium-tier Visa credit card issued by AU Small Finance Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Premium users. With a reward rate of Reward points and an annual fee of ₹7,999, it ranks among the popular Premium cards in India in 2026.

New cardholders are welcomed with Welcome benefits, which adds immediate value in the first year and helps recover the ₹7,999 joining fee.

AU Zenith Credit Card Fees & Charges

AU Zenith Credit Card Rewards & Benefits

Key Highlights of the AU Zenith Credit Card

• Premium lifestyle
• Reward points
• Lounge

AU Zenith Credit Card Eligibility Criteria

• Age: 21-60 years
• CIBIL score: 750+
• Minimum income: ₹12
• 00
• 000/year

Minimum Income Required: ₹12,00,000/year

Advantages of the AU Zenith Credit Card

• High Milestone Returns: Offers a complimentary Zomato Pro membership renewal or ₹5
• 000 voucher when you cross an annual spend milestone of ₹5 Lakhs.
• Wellness & Spa Perks: Including complimentary airport spa access alongside airport lounges elevates the overall travel experience.
• Low Foreign Currency Markup: Features a highly competitive
• low 1.99% forex markup fee on international transactions (compared to the standard 3.5%).
• Complimentary Golf Access: Enjoy up to 4 complimentary golf rounds or lessons per year at select courses across India.
• Dedicated Concierge Services: Provides 24/7 global concierge assistance for flight
• hotel
• and dining reservations.

Drawbacks of the AU Zenith Credit Card

• High Annual Fee: Comes with a premium annual and renewal fee of ₹7
• 999 + GST.
• High Renewal Waiver Threshold: The renewal fee is only waived if you hit a substantial annual spend milestone of ₹5
• 000
• 000.
• Capped Accelerated Points: Monthly reward point accumulation on the 5X accelerated categories is subject to internal capping policies per billing cycle.
• Low Base Reward Rate: Outside of dining
• international
• and department store categories
• routine spending drops to 2 Reward Points per ₹100 (a 0.5% return value).
• Point Exclusions: standard exclusions apply on points for routine categories like fuel
• rent
• insurance
• and EMI conversions.

AU Zenith Credit Card — Frequently Asked Questions

What is the annual fee of the AU Zenith Credit Card?

The AU Zenith Credit Card has an annual fee of ₹7,999 and a joining fee of ₹7,999. New cardholders receive Welcome benefits as a welcome benefit, which helps offset the joining cost.

Does the AU Zenith Credit Card offer airport lounge access?

Yes — the AU Zenith Credit Card offers Get 4 complimentary international lounge visits per year via Priority Pass and 4 complimentary domestic lounge visits per quarter.

Who is eligible for the AU Zenith Credit Card?

The minimum income requirement is ₹12,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.

What is the reward rate of the AU Zenith Credit Card?

The AU Zenith Credit Card earns Reward points. It is best suited for Premium users.

Credit Cards Similar to the AU Zenith Credit Card

If you are considering the AU Zenith Credit Card, these premium credit cards are worth comparing before you apply:

• HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
• Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
• Gold Charge Card by American Express — rated 4.6/5, ₹4,500 annual fee
• Membership Rewards Credit Card by American Express — rated 4.6/5, ₹4,500 annual fee