AU Bank Zenith Credit Card is a premium credit card offered by AU bank. The card is issued with an annual membership fee of Rs. 7,999 and comes packed with a plethora of best-in-class privileges that one expects from a premium credit card like the attractive milestone benefits, complimentary domestic as well as international lounge access, comprehensive insurance cover, lower foreign currency mark-up, and many other premium benefits.
Talking about the reward rate associated with the card, you get a very decent reward rate of 1.25% on regular spends and an accelerated reward rate on dining at standalone restaurants (4X), grocery and departmental store spends (2X), and international transactions (2X). Keep reading to know more about the Zenith card by AU.
- Joining Fee- Rs. 7,999 (plus applicable taxes)
- Renewal Fee- Rs. 7,999 (plus applicable taxes)
- Best Suited For- Travel | Dining | Shopping
- Reward Type- Reward Points
- Welcome Benefits- Get Zomato Pro membership after 5 successful transactions, Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Every welcome benefit would be applicable for retail spends made within sixty of card set-up.
Rewards and Benefits
- Movie & Dining- 20 Reward Points for every Rs. 100 spent on dining at standalone restaurants
- Rewards Rate- 20 Reward Points for every Rs. 100 spent on dining (reward rate = 5%), 10 Reward Points for every Rs. 100 spent on international purchases and grocery & departmental stores (reward rate = 2.5%) and 5 Reward Points for every Rs. 100 spent on all other spends except fuel (reward rate = 1.25%)
- Reward Redemption- Reward Points can be redeemed for merchandise, e-vouchers, mobile or DTH recharges, flight or hotel bookings on AU Rewardz portal, 1 RP = Rs. 0.25
- Travel- Reward Points can be redeemed for flight and hotel bookings on AU Rewardz portal, get complimentary access to domestic as well as international airport lounges, complimentary access to IRCTC lounges.
- Golf- N/A
- Domestic Lounge Access- 4 per quarter with Visa domestic lounge access program
- International Lounge Access- 2 every quarter with Priority Pass membership
- Insurance Benefits- Comprehensive insurance cover including lost card liability cover, Credit Shield, air accident cover, and multiple other travel-related insurance covers
- Zero Liability Protection- The cardholder will not be held liable for any unauthorized transaction done with the card after reporting the loss of the card to the bank.
Fees & Charges
- Spend based Waiver- Joining fee can be waived on spending of Rs. 1.25 lakh within 90 days of card activation, annual fee can also be waived on spending Rs. 5 lakh in the previous year
- Rewards Redemption Fee- Nil
- Foreign Currency Markup- 1.99% of the transaction amount
- Interest Rates- 1.99% per month (23.88% annually)
- Fuel Surcharge- 1% fuel surcharge waived off at all fuel pumps all over India (no max cap applicable)
- Cash Advance Charge- 2.5% of the transaction amount (subject to a minimum charge of Rs. 100)
- Add-on Card Fee- Nil
Product Details
- Welcome gifts including gift vouchers and Zomato Pro membership.
- 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
- Up to 20 Reward Points per Rs. 100 spent.
- Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
- Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
- 2,500 Bonus Reward Points on completing 1 retail transaction on birthday.
- Lower foreign currency markup fee of 1.99% of the transaction amount.
- Complimentary (limited) domestic/international airport and IRCTC lounge access.
- Spend-based waiver of joining and annual fee.
AU Bank Zenith Credit Card Welcome Benefits:
- Shopping vouchers that are worth Rs. 1,000 from top labels on making first POS transaction made within 60 days of card issuance.
- Zomato Pro membership on 5 successful retail transactions within 60 days of card setup.
- 10,000 Bonus RPs if you spend Rs. 1 lakh within sixty days of card activation.
AU Bank Zenith Credit Card Rewards:
- 20 Reward Points for every Rs. 100 spent on dining at standalone restaurants.
- 10 Reward Points for every Rs. 100 spent on international purchases and departmental and grocery store spends.
- 5 Reward Points for every Rs. 100 spent on all other online and offline retail transactions (except fuel purchases).
- No Reward Points toward fuel purchases.
Reward Redemption:
Redeem the reward points that you earn with the AU Zenith card on the AU Rewardz portal against:
- e-vouchers from top brands
- mobile/DTH recharges
- merchandise
- flight/hotel bookings
1 RP = Rs. 0.25
Milestone Benefits:
- Shopping vouchers worth Rs. 1,000 from top brands on retail spends of Rs. 2 lakh quarterly.
- Complimentary Taj Epicure membership on retail spends of Rs. 8 lakh in a year.
AU Bank Zenith Credit Card Annual Fee Waiver:
- Get a waiver on the joining fee on spending Rs. 1.25 within 90 days after activation .
- On spending Rs. 5 Lakh in the previous year get a waiver on the annual fee.
Birthday Benefit:
2,500 Bonus RPs on performing 1 successful retail purchase on your birthday.
AU Bank Zenith Credit Card Travel Benefits:
- Reward Points achieved are redeemable for hotel or flight bookings on the AU Rewardz portal.
- 4 complimentary access to the airport lounges in India quarterly under the Visa domestic lounge program.
- Complimentary Priority Pass membership along with 2 complimentary access to international airport lounges every quarter.
- 2 complimentary access to IRCTC lounges every quarter at Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, Madurai, and Agra railway stations.
- Complimentary lounge access (both railway and airport ) is applicable for both primary and additional cardholders.
Insurance Benefits:
The AU Bank Zenith Credit Card comes with comprehensive insurance benefits as mentioned in the table below:
| Insurance Type | Covered Amount |
| Air Accident | Rs. 2 crore |
| Credit Shield | Rs. 5 lakhs |
| Purchase Protection | Rs. 50,000 |
There are many other travel-related insurance benefits that you receive over and above the covers mentioned above. These covers are for baggage loss, delay in flight, loss of passport baggage delay, and plane hijack. In order to claim any of these covers, call AU Bank customer care at 1800 1200 1500.
Dedicated Concierge Services:
AU Bank Zenith Credit Card offers dedicated 24×7 global concierge services to provide you with assistance in flight or hotel bookings, golf sessions, and dining. To avail of these services dial 1800 210 0298 (toll-free) or 022-42320298 for concierge assistance.
Lower Foreign Currency Mark-Up Fee:
Being a premium credit card, the card charges a lower foreign currency mark-up fee of 1.99% (compared with 3.5% for most other cards) on purchases made in a foreign currency.
Conclusion:
Although AU Bank Zenith Credit Card comes with a high membership fee of Rs. 7,999 per annum, premium benefits including complimentary domestic/international airport and railway lounge visits, dedicated concierge service, and a lower foreign currency markup fee of 1.99% justify the high annual membership fee. The only shortcoming of the Zenith Credit Card is that you don’t get any complimentary golf or movie benefits. Current competitors of the card in the market include HDFC Infinia Credit Card, ICICI Emerald Credit Card, SBI Aurum Credit Card and Axis Bank Magnus Credit Card which also offer very similar features, but carry a slightly higher membership fee. What are your thoughts on AU Bank Zenith Credit Card? Let us know below in the comments. Also, feel free to share your opinions in case you are an existing cardholder.
