AU Zenith Credit Card
AU Zenith sits at the top of AU Small Finance Bank's card lineup, though the 1 January 2026 revision took a fair bit of shine off it. The ₹7,999 + GST annual fee still waives once you spend ₹5 lakh in a year, but the earn rate underneath it was trimmed hard — 3 reward points per ₹100 (about 0.75%) on general spending and 5 points per ₹100 (roughly 1.25% at ₹0.25 a point) on dining, international transactions and groceries, well below the 20X/10X rates the card used to offer. The quarterly voucher and Taj Epicure membership perk are both gone too. What survives: a competitive 1.99% forex markup, spend-gated lounge access (8 domestic visits plus 8 international via Priority Pass each year), and a 2,500-point birthday bonus. AU appears to be nudging new applicants toward the Zenith+ instead.
Key features
A quick rundown of what actually makes this card worth carrying.
1.25% on Dining
5 reward points per ₹100 on dining (about 1.25% at ₹0.25/point), capped at 5,000 points per statement cycle — cut down from 20X on 1 Jan 2026
1.25% on Groceries
5 reward points per ₹100 on grocery (roughly 1.25%) — reduced from 10X on 1 Jan 2026
️ Airport Lounge Access
4 complimentary visits per quarter across domestic and international airport lounges
Annual Fee Waiver
The ₹7,999 + 18% GST (₹9,439 all-in) yearly fee is waived entirely once you spend ₹5,00,000 in a year
24x7 Concierge
Round-the-clock concierge and lifestyle assistance
Fuel Surcharge Waiver
1% waiver on fuel purchases, capped at ₹1,000 a month
Milestone Bonus
Roughly ₹3,000 in extra rewards for hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1.25% | ₹1,250 |
| Groceries | reward points | 1.25% | — |
| International | reward points | 1.25% | — |
| Other | reward points | 0.75% | — |
| Utility Bills | reward points | 0.25% | — |
| Insurance | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹9,439 |
| Joining fee (incl. 18% GST) | ₹9,439 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1%, cap ₹1,000 |
Perks & benefits
Beyond the reward points, the extras here add up to roughly ₹23,125 a year.
concierge ~ ₹3,000 /yr
Round-the-clock concierge and lifestyle assistance
️ lounge access ~ ₹15,000 /yr
2 domestic lounge visits per quarter on the AU card itself (needs ₹50,000 retail spend in the preceding quarter), plus 2 international visits per quarter through Priority Pass — 8 domestic and 8 international across the year
fuel waiver ~ ₹1,500 /yr
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, up to ₹1,000 per statement cycle
milestone bonus ~ ₹3,000 /yr
1,000 reward points for spending ₹50,000 or more within a statement cycle, awarded once per cycle (annual figure is modelled; the older Taj Epicure and quarterly-voucher perks were dropped on 1 Jan 2026)
milestone bonus ~ ₹625 /yr
2,500 bonus reward points for a single retail transaction made on your birthday
Should you get it?
Best for: Frequent travellers, Higher spenders
Premium tier — works reasonably well as a steady all-round performer for consistent monthly spend.
Delivers the most value if a large share of your spend is on Dining ( 1.25% back).
Regular travellers get extra mileage out of the included airport lounge access.
✓ Pros
- For a heavy spender, the reward earn can genuinely offset the annual fee
- Solid set of premium lifestyle perks — lounge access, concierge, milestone bonuses
- A lower forex markup that's kinder to international spending
✕ Cons
- The annual fee stays in place unless you clear the spend-based waiver
- A higher income bar for eligibility than most mid-tier cards
Eligibility & documents
Age
21–65 years
Min. income
₹1,00,000 /mo
Employment
Salaried · Self-employed · Student
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
A few different ways to turn your points into something usable.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings through the issuer's rewards portal
🎁 Note that a ₹99 + GST fee applies each time you redeem
What your AU Reward Points are worth
What each point actually converts to, by redemption route — this gap is where most cardholders leave money on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern AU's merchant tie-ups, transfer partnerships, and overall service network still lag well behind what HDFC and ICICI offer — the headline earn rate holds up fine, but the ecosystem surrounding it is comparatively thin.
The bottom line
Zenith functions as AU's flagship statement card and can stand in reasonably well for an ICICI Sapphiro if you're already banking with AU. The 1.99% forex markup remains one of its stronger points, even though post-cut earning tops out around 0.75–1.25%. If you don't already have an AU relationship, though, you'll generally find deeper redemption ecosystems at the larger banks for a similar fee.
Sources & verification
Fees, reward rates, and benefits for the AU Zenith Credit Card come from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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