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.
- 20 RP per ₹100 on dining — strong category rate
- 16 domestic lounge visits/year (4/quarter)
- ₹2 crore air-accident cover
- 10,000-point welcome + ₹1,000 voucher
- Zomato Pro annual membership; 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 | 20 RP per ₹100 |
| Select categories | Up to 5 RP per ₹100 (1 RP = ₹0.25) |
| Welcome | 10,000 RP on ₹1 lakh in 60 days + ₹1,000 voucher |
| Lounge | 4 domestic visits/quarter (16/year) |
| Insurance | ₹2 crore air-accident cover |
Eligibility & documents
Age
18 to 70 years
Income
Per AU premium norms
Recommended CIBIL
~750+
Network
Visa / Mastercard
Interest-free
Up to 50 days
Documents
PAN, Aadhaar, income & address proof
Rewards & the real value
The 20 RP per ₹100 on dining (≈5% at ₹0.25/point) is the standout, and select categories like grocery and international earn up to 5 RP per ₹100. Add 16 lounge visits a year, a Zomato Pro membership, birthday bonus points and a ₹2 crore air-accident cover, and the package is rich — provided you clear the spend thresholds. The 10,000-point welcome plus voucher offsets a chunk of the first-year fee, which itself 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 — excellent dining rewards, generous lounges, a large air-accident cover and a useful welcome — 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?
20 reward points per ₹100 on dining; up to 5 RP per ₹100 on select categories (1 RP = ₹0.25).
How much lounge access?
4 complimentary domestic lounge visits per quarter (16 per year).
What insurance is included?
Air-accident cover of ₹2 crore, among other benefits.
Data current as of June 2026, cross-checked against AU Small Finance Bank and aggregator pages. Confirm current terms on au.bank.in before applying.