AU Small Finance Bank Zenith Credit Card Review 2021 | AU Bank Zenith Credit Card Review

AU Small Finance Bank has introduced a new range of credit cards and Zenith credit card is one of them. It is a visa-powered credit card and the most premium credit card offered by AU Small Finance Bank. It comes loaded with a number of exclusive features and benefits including lounge access and insurance coverage at a very reasonable cost. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹ 3 lakh. (Approx)
  • For self-employed person:
    • Age: 21 to 60 yrs.
    • Income: Above ₹ 3 lakh. (Approx)
  • Good CIBIL score. (Above 750)
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹ 7,999+GST
  • Annual Fee: ₹ 7,999+GST


  • Welcome Benefit:

Au Bank offers Rs. 1000 voucher on your first successful transaction as a welcome gift. The transaction should be done within the first 60 days of the card issuance. 

You will also get an annual membership of Zomato pro on completing 5 successful transactions within the first 60 days of the card activation.

If you can spend Rs. 1 lakh within 60 days of the card issuance, you will get a bonus of 10,000 reward points.

  • Reward Benefit:

For each Rs. 100 spent on dining, you will get 20 reward points. You will get 10 reward points for the same on international transactions and the transaction made on grocery and departmental stores.

AU Bank also offers 5 reward points on each Rs. 100 transactions made on other categories (except on fuel). The reward points can be used for mobile and DTH recharges, hotel and flight bookings, you can also buy some special merchandise and e-vouchers with them.

  • Lounge Access:

Airport: with your Zenith Credit Card you will get up to 2 free access per quarter at all participating priority pass lounges. 

You will also get 4 free access per quarter at most of the domestic airport lounges with your Visa card.  

Railway: you will get 2 complimentary accesses per quarter at railway lounges of Kolkata, Ahmedabad, Madurai, Jaipur, and Agra. 

Your add-on card members can also enjoy the lounge accesses within the mentioned limit. 

  • Insurance Coverage:

With the Zenith Credit Card, you will get an air accidental coverage of Rs. 2 Crore, a credit shield of Rs. 5 Lakh, and a purchase protection coverage of Rs. 50,000. 

You will also get coverage against lost or delayed baggage, loss of travel documents, flight delays, and plane hijack. 

You can call 1800 1200 1500 to claim the benefits. 

  • Lost card Liability:

With this card, AU Bank offers you zero liability on lost cards and against all kinds of fraudulent transactions including online frauds and skimming. 

The benefit is applicable to the fraud transaction that is done after you report your loss. 

  • Milestone Benefit:  

If you can spend Rs. 2 lakh within a quarter, AU Bank will give you Rs. 100 voucher. You can also earn an Epicure membership if you can spend Rs. 8 lakh within a year. 

You can also get a waiver on your annual fees. If you can spend Rs. 1,25,000 within a year, you will 100% waiver on your first-year annual fee. 

For waiver on the fees of the second year onwards you have to spend Rs. 5,00,000 in a year. 

  • Birthday Benefit:

You will get 2,500 bonus reward points on making a successful retail transaction on your birthdays.

  • Fuel Surcharge Waiver:

This card offers a 1% waiver on fuel surcharges. This offer is applicable to all fuel stations in India. 

  • EMI Facility:

With this card, you can convert your high-value purchases into EMI. The transaction amount should be Rs. 2,000 or more. 

  • Concierge Service:

You will get the assistance of a world-class concierge service with this card. You can enjoy services like travel arrangements, booking golf sessions, and booking a table at a premium restaurant on a special occasion.

  • Add on Facility:

You can share the benefits of your Zenith Credit Card with your loved ones. Just add them with your card as an add-on member and they can enjoy the benefits of a credit card. 

You don’t need to pay any charges for this facility. 

  • Contactless Payment:

This card is equipped with a contactless payment facility. This feature is very helpful in preventing card losses, as you just have to wave the card at any secure reader machine to make payments. 

  • Global Acceptance:

This card is globally accepted. You can use this card at any stores or outlets in the world where Visa cards are accepted. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, min ₹ 100.
  • Finance Charge: 1.99% monthly and 23.88% annually.
  • Foreign currency transaction: 1.99% against the transacted amount. 

Contact Details:

Call: 1800-1200-1500


100XGain Ratings:


Final Opinion:

For those people who want an elegant quality credit card with a low interest rate and a number of amazing features and benefits, this card could be a perfect choice. The main advantage of this card is its low interest rate and lower currency conversion charge which makes it beneficial for international uses. You can also make a good amount of savings from the benefits offered by this card. 

So if you want to have a premium credit card that can earn you reward points, and which can be used beneficially for international transactions then go and grab the Zenith Credit Card as it can fulfill your requirements.  

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