AU Small Finance Bank Zenith Credit Card Review 2022 | AU Bank Zenith Credit Card Review

The au small finance bank zenith credit card is one of the most premium credit cards offered by Au Small finance bank. Targeting affluent Indian credit card users, this card brings a ton of useful features with it. From complimentary airport lounge access to free golf rounds, this card has everything needed to make your already premium lifestyle more premium. Make sure to read the complete review to learn more about the au bank credit card benefits

What are au card eligibility criteria?

  • Resident Type: Indian. 
  • au bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs.3 lakh. (Approx)
  • Au credit card eligibility criteria For self-employed person:
    • Age: 21 to 60 yrs.
    • Income: Above Rs.3 lakh.(Approx)
  • A good CIBIL score (Above 750) is mandatory to apply for this au bank card?

You can apply for this card from the au credit card apply online portal. Once your credit card application form is submitted successfully, you will get a unique application id. You can use that to track your au credit card application status.

What documents are required to apply for an au bank zenith credit card?

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report.

What are the Au zenith credit card fees?

  • Au zenith credit card joining fee: Rs.7,999+GST
  • Au zenith credit card annual fee: Rs.7,999+GST

What are the au zenith credit card benefits?

  • Get started with a bunch of marvelous joining gifts:

With the issuance of the au zenith credit card, you will be welcomed with a bunch of attractive au bank welcome gifts.

Spending milestones

Total benefits

On completing your 1st POS transaction  Rs.1000 gift voucher
On performing 5 successful retail transactions Complimentary Zomato pro annual membership
On completing total retail spend of Rs.1 lakh 10,000 bonus rewards

To get the credit card joining bonus, you need to meet all the above-mentioned spending milestones within the first 60 days of your Au small finance credit card activation. 

  • Get rewarded for every transaction you make:

With the powerful au credit card reward scheme, you will get rewarded for every transaction you make.

Category of transactions

Rate of earning reward points

Every Rs.100 spent on dining expenses 20 au credit card reward points
Groceries, departmental stores, and international transactions 10 reward points / Rs.100 transaction
Every Rs.100 is spent on all other categories. 5 au card rewards
On performing a retail transaction on your birthday 2500 au credit card rewards

You will not get any zenith point for fuel purchase. Also, if you want to know; How do I check my au credit card balance? then make sure to visit our faq page.

  • Travel comfortably with complimentary lounge access:

Your au bank credit card lets you enjoy free access to both airport and railway lounges. The details are given below.


Number of free accesses you can get 

Airport lounges 2 free quarterly access to domestic airport lounges
Railway lounge 2 quarterly access at Kolkata, Ahmedabad, Madurai, Jaipur, and Agra

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

  • Complimentary Insurance coverage to support you:

On this zenith card, au bank offers complimentary insurance coverage so that it can stand for you in emergencies. The details are mentioned below.


Total coverage amount

Air accidental death coverage Rs.2 Cr.
Lost card liability coverage Zero liability on fraudulent transactions, after reporting the loss
Credit shield Rs.5 lakh 
Purchase protection 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 the au small finance credit card helpline numbers to claim credit card insurance coverage.

  • Enjoy bonus rewards on milestone spends:

You can also earn some bonus au bank credit card reward points on achieving certain spending milestones.

Spending milestones

Total benefits

Rs.1 lakh within a calendar quarter Rs.1000 gift voucher
Rs. 8 lakh within an anniversary year  A complimentary Taj epicure membership
Rs.1,25,000 spent within the first 90 days of card activation A complete waiver on first-year Au zenith card joining fee
Rs.5,00,000 spent within an anniversary year A complete waiver on your next year’s credit card annual charges

You can keep track of your credit card usage from your au small finance bank app or from your au bank online banking account.

  • Enjoy freedom from fuel surcharges:

If you use this zenith card to purchase fuel, you will get a 1% waiver on fuel surcharges. This au small bank credit card offer is applicable to all fuel stations in India. 

  • Make repayments easier with the low-cost EMI option:

This au small finance bank card allows you to convert your high-value purchases(above Rs.2,000) into EMI. This Au credit card offer is very helpful for frequent shoppers.

  • A multilingual concierge service to assist you:

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

  • Enjoy the convenience of a contactless credit card payment facility:

This au bank card is equipped with a contactless payment facility. This feature allows you to make payments just by placing your card over any contactless-enabled POS machine. You can control the contactless au bank credit card payment options from your au bank app.

What are the au small finance bank credit card charges?


Total coverage amount

Credit card cash withdrawal charges 2.5% against the withdrawn amount, min Rs.100 (Check your available credit card cash withdrawal limit before making a withdrawal)
Au small bank credit card finance charge The au small bank interest rates can go up to 1.99% monthly and 23.88% annually
Credit card international transaction charges 1.99% against the transacted amount
Au small card add-on card fee None

How to contact the au small finance bank customer service department?

  • Call the au small credit card customer service number: 1800 1200 1500
  • You can also write to the au bank mail id: 

100xGain Ratings: 


What are the pros and cons of au bank zenith card?



  • The rate of earning au bank credit card reward points is very impressive.
  • You will get free access to domestic and international airport lounges.
  • This au finance credit card does not offer any discount on dining and travel bookings.

Final Opinion:

For those people who want a premium 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 small finance bank credit card is the low-interest rate and lower currency conversion charge which makes it beneficial for international uses. 

But if you are looking for a more premium credit card, then make sure to take a look at the alternative card options given below.

Alternative of au bank zenith card: 

  1. American express platinum credit card (Best for lounge access, and hotel booking benefits)
  2. ICICI bank ascent american express card (Best for reward points and lounge access benefits)
  3. RBL bank world prime supercard (Best for reward points and lounge access benefits) 
  4. SBI prime credit card (Best for reward points and lounge access benefits)

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