Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • AU Bank Zenith Credit Card

    The AU Bank Zenith Credit Card allows you to earn reward points every time you swipe the credit card for shopping, dining, and international spends. The annual fee of the credit card is Rs.7,999.

    Key Highlights of the AU Bank Zenith Credit Card

    Listed below are the key highlights of the AU Bank Zenith Credit Card:

    • Get 10,000 bonus reward points when you spend Rs.1 lakh within the first 60 days of your credit card being activated.
    • Earn 20 reward points for every Rs.100 you spend on dining.
    • Get 4 complimentary domestic airport lounge visits every calendar quarter.
    • Get air accident cover of Rs.2 crore.

    Features and Benefits of the AU Bank Zenith Credit Card

    The features and benefits of the AU Bank Zenith Credit Card are mentioned below:

    Welcome benefits:

    • Get Zomato Pro Annual Membership when you complete 5 retail transactions with the AU Bank Zenith Credit Card.
    • Get vouchers of Rs.1,000 from a list of partner brands on the first retail transaction.
    • Earn 10,000 reward points as a bonus when your retail spends reach Rs.1 lakh.

    Please note that the welcome benefits will be applicable on retails transactions made within the first 60 days of your credit card being set up.

    Reward points benefits:

    • Get 10 reward points for every Rs.100 you swipe on the credit card for grocery spends and at departmental stores.
    • Earn 10 reward points for every Rs.100 you spend internationally.
    • Get 5 reward points for every Rs.100 you swipe on the card for other merchant categories.
    • Earn 20 reward points for every Rs.100 spent on dining (standalone restaurants).

    Birthday benefits:

    • When you complete one retail transaction on your birthday, you get 2,500 bonus reward points.

    Fuel benefits:

    • Get 1% waiver on the fuel surcharge when you use the AU Bank Zenith Credit Card to buy fuel at any fuel station in India.

    Milestone benefits:

    • Get complimentary Epicure membership when you spend Rs.8 lakh or more during your credit card's anniversary year.
    • Get vouchers worth Rs.1,000 (from partner brands) when you spend a minimum of Rs.2 lakh in one calendar quarter.
    • First-year fee is waived off when Rs.1.25 lakh is spent within first 90 days.
    • Waiver of second-year fee on Rs.5 lakh spends in the previous year

    *The first-year and second-year fee waivers are applicable only on retails spends.

    Railway lounge benefits:

    • Get 2 free railway lounge visits every calendar quarter at railway stations in:
      • New Delhi
      • Kolkata (Sealdah)
      • Jaipur
      • Ahmedabad
      • Agra
      • Madurai

    Airport lounge benefits:

    • Get complimentary lounge access (domestic and international) at over 1,000 airport lounges.
    • Earn 4 free domestic airport lounge visits every calendar quarter.
    • Under the Priority Pass Program, get 2 free lounge visits every calendar quarter at partner airport lounges.

    Equated Monthly Instalment (EMI) benefits:

    • Easily convert transactions of Rs.2,000 or more into EMIs.
    • Choose any repayment tenure which is suitable for you.
    • To book an XpressEMI, you should call the bank's customer care number at 180012001500.

    Insurance benefits:

    Air Accident Cover Rs.2 crore
    Credit Shield Up to Rs.5 lakh
    Purchase Protection Up to Rs.50,000

    Card Liability Cover:

    • Incur Zero liability if your lost credit card has been used to make fraudulent transactions, after you have reported the loss of the card to AU Bank.
    • Get protection against credit card skimming, online frauds, and card counterfeit.

    Travel coverage:

    • Get a travel cover in the events of:
      • Loss of baggage
      • Delay of baggage
      • Flight delay
      • Lost passport
      • Hijacking of airplane

    Redemption of Points Earned on AU Bank Zenith Credit Card

    You can redeem the reward points earned on the AU Bank Zenith Credit Card for:

    • Merchandise on the AU Bank catalogue
    • E-vouchers of partner brands
    • Flight ticket bookings
    • Hotel room bookings
    • Mobile/Direct-to-home (DTH) recharges

    Eligibility Criteria to Apply for the AU Bank Zenith Credit Card

    In order to apply for the AU Bank Zenith Credit Card, you should meet these eligibility criteria:

    • As the primary cardholder, your age has to be between 21 years and 60 years.
    • The add-on cardholder has to be more than 18 years old.
    • You have to be a resident of India to apply for the credit card.

    Fees and Charges of the AU Bank Zenith Credit Card

    These are fees and charges of the credit card:

    Type of charge Fee
    Joining fee NIL
    Annual fee Rs.7,999
    Fee for an add-on card NIL
    Revolving credit charge 1.99% per month (23.88% annually)
    Cash advance fee 2.5% of amount withdrawn, subject to a minimum of Rs.100
    Limit for cash advance 20% of the credit limit
    Minimum repayment amount 5% or minimum Rs.100
    Overlimit charges 2.5% of overlimit amount, subject to a minimum of Rs.500
    Fee for redeeming reward points NIL
    Cash processing fee NIL
    Fee for processing an outstation cheque Rs. 25
    Processing fee for balance transfer
    • 1% of the balance transfer amount
    • This fee is subject to a minimum amount of Rs.250
    Credit card validation fee at lounges Rs.2
    EMI conversion fee
    • 1% of the amount you convert into EMIs
    • The EMI conversion fee is subject to a minimum of Rs.250
    Charge for Priority Pass Lounge $27 plus taxes per person for every visit
    Foreign currency mark-up fee 1.99%
    Fee for duplicate physical statement request Rs.100
    Fee for reissue of lost/damaged/stolen credit card Rs.100
    Goods and Services Tax (GST) 18%
    Late Payment Charges
    Outstanding amount Late payment fee
    Less than Rs.100 NIL
    Rs.100 to Rs.500 Rs.100
    Rs.501 to Rs.5,000 Rs.400
    Rs.5,001 to Rs.20,000 Rs.500
    More than Rs.20,000 Rs.700

    FAQs on AU Bank Zenith Credit Card

    1. Will add-on credit cardholders also get airport and railway lounge benefits?

      Yes, add-on cardholders will also get the airport and railway lounge benefits.

    2. How do I reach the AU Bank concierge desk?

      You can reach the AU Bank concierge desk by calling the toll-free number, 18002100298. You can also call 022-42320298 to reach the concierge desk.

    3. Which e-mail ID can I write to for queries regarding the AU Bank Zenith Credit Card?

      You can write to creditcard.priority@aubank.in and clarify your doubts on the AU Bank Zenith Credit Card.

    4. Can the credit card be used for contactless transactions?

      You can use the AU Bank Zenith Credit Card to make secure and contactless payments. This can be done by tapping your credit card at Point-of-Sale (POS) terminals of partner merchants without having to enter your PIN. Please note that contactless payments can be made for transactions up to Rs.5,000.

    5. What is the interest-free period for the AU Bank Zenith Credit Card?

      The interest-free period is up to 50 days.

    6. How do I claim the insurance benefits available with the credit card?

      To claim the insurance benefits, you can call the AU Bank customer care at 180012001500.

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