AU Bank Zenith Credit Card Review
The AU Bank Zenith is AU Small Finance Bank’s premium lifestyle-and-travel card, headlined by strong dining rewards, generous lounge access and a sizeable air-accident cover. For someone who’ll clear the spend thresholds, it packs in real value. Here is the verified review.
- 5 RP per ₹100 on dining, grocery & international2 domestic + 2 international lounge visits/quarter
- ₹2 crore air-accident cover
- 1,000 bonus RP on ₹50,000 monthly
- spend2,500 birthday bonus points
- Fee waivers on reasonable spends
- High ₹7,999 annual fee
- Point value ₹0.25 each (~1.25% on 5 RP categories)
- Best value needs ₹5 lakh spend for renewal waiver
- Premium tier — overkill for light spenders
- A higher Zenith+ variant also exists
Fees & rewards
| Item | Detail | |
|---|---|---|
| Annual fee | ₹7,999 (Y1 waived on ₹1.25L/90 days; renewal on ₹5L/year) | |
| Dining | 5 RP per ₹100 (max | 5,000 RP/cycle) |
| Select categories | 5 RP per ₹100 on grocery & international; 3 RP elsewhere (1 RP = ₹0.25) | |
| Welcome | No welcome benefit; 1,000 RP monthly milestone on ₹50,000 spend | |
| Lounge | 2 domestic (spend-linked) + 2 international visits/quarter | |
| Insurance | ₹2 crore air-accident cover |
Eligibility & documents
Age
18 to 70 years
Income
Per AU premium norms
Recommended CIBIL
~750+
Network
Visa / RuPay
Interest-free
Up to 50 days
Documents
PAN, Aadhaar, income & address proof
Rewards & the real value
The 5 RP per ₹100 (≈1.25% at ₹0.25/point) on dining, grocery and international spends is the standout, while most other spends earn 3 RP per ₹100. Add 8 domestic and 8 international lounge visits a year, birthday bonus points and a ₹2 crore air-accident cover, and the package is rich — provided you clear the spend thresholds. There is no welcome bonus, but the first-year fee waives at ₹1.25 lakh of early spend.
Who this card is for
- Best fit: dining-heavy travellers who’ll spend enough to waive the fee and use the lounges.
- Skip if: you spend lightly or want a low-fee everyday card.
How to apply & how to cancel
Apply: via au.bank.in. Cancel: call AU customer care after clearing dues; redeem points first.
Final verdict
The AU Bank Zenith is a feature-rich premium card — solid 5x category rewards, spend-linked lounges, a large air-accident cover and monthly milestone points — that rewards higher spenders who’ll waive the ₹7,999 fee. Light spenders should look lower down the range (or compare the Zenith+ variant if they want even more).
Frequently asked questions
What is the fee?
₹7,999 annual — first year waived on ₹1.25 lakh spend in 90 days, renewal waived on ₹5 lakh annual spend.
How rewarding is dining?
5 reward points per ₹100 on dining, grocery and international spends; 3 RP on most other spends (1 RP = ₹0.25).
How much lounge access?
2 domestic lounge visits per quarter (needs ₹50,000 spend in the previous quarter) plus 2 international visits per quarter via Priority Pass.
What insurance is included?
Air-accident cover of ₹2 crore, among other benefits.
Data current as of October 2026, cross-checked against AU Small Finance Bank official information. Confirm current terms on au.bank.in before applying.