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faayda.com › cards › AU Bank Zenith Credit Card
AU Small Finance Bank · Visa / RuPay · हिन्दी

AU Bank Zenith Credit Card: full review

The AU Bank Zenith Credit Card offers a genuinely well-built rewards structure and a strong lounge benefit stack, but its value proposition is shifting meaningfully from October 2026: the forex markup nearly doubles to 3.49% and the fuel surcharge waiver shrinks 90%, both changes already disclosed on the bank's own page. If you're evaluating this card for its currently-advertised low forex rate, know that advantage is about to largely disappear - the reward structure and lounge access remain the more durable reasons to hold it.

Apply now ↗Annual fee: ₹7,999 + GST
Last updated: September 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
ZENITH
ASHOK KUMAR
12/28
₹7,999 + GST annual, waived on ₹1,25,000 spend within the first 90 days (year 1), or ₹5,00,000 spend in the previous anniversary year (year 2 onward) - confirmed from the official MITCAnnual fee
5 Reward Points per ₹100 on dining at standalone restaurants, international spends, and grocery/departmental stores; 3 Reward Points per ₹100 on other merchant categories; 1 Reward Point per ₹100 on insurance and utility/telecom; rent, education, government, EMI, fuel, cash and quasi-cash transactions earn nothing; capped at 5,000 points/statement cycle on dining and 100 points/transaction on utility/telecom; a ₹99 + GST fee applies to redeem points, confirmed from the official MITCReward structure
8 domestic visits/year (2/quarter, gated behind ₹50,000+ spend in the preceding quarter) plus 8 international visits/year (2/quarter) via a request-issued Priority Pass, ₹2 validation charge per visit; Priority Pass usage within India is separately chargeableLounge access
5 Reward Points per ₹100 on dining, international spends, and grocery/departmental stores3 Reward Points per ₹100 on other categories, 1 point per ₹100 on insurance and utility/telecom1,000 bonus points on ₹50,000+ retail spend within a statement cycle2,500 bonus points on one retail transaction on your birthday8 domestic + 8 international lounge visits/year (2/quarter each)Air accident cover up to ₹2 crore, credit shield and card liability cover up to ₹15 lakh, purchase protection up to ₹50,00024x7 global concierge serviceCurated Visa offers (ITC Hotels, Elivaas, Visa Meet & Greet, Dine with Visa) or RuPay-specific offers depending on variant
Apply now ↗ Min. income: Not publicly specified; age 21-60 for salaried, 25-65 for self-employed, add-on cardholders must be 18+, resident Indian only · Credit score: Not publicly specified
Pros and cons
Pros
✓ Strong, well-tiered reward structure that genuinely rewards dining, groceries and international spend
✓ Real international lounge access via Priority Pass, not just domestic
✓ Meaningful milestone and birthday bonus points on top of base rewards
✓ Comprehensive insurance cover bundle included at no extra cost
Cons
✗ Forex markup is rising sharply to 3.49% from October 2026, erasing what was previously a genuine low-forex advantage
✗ Fuel surcharge waiver is being cut from ₹1,000 to just ₹100 per statement month from the same date
✗ ₹7,999 annual fee is high, with the year-1 waiver requiring ₹1,25,000 in spend within just 90 days
✗ Domestic lounge access is spend-gated quarter to quarter, not automatic
✗ A ₹99 + GST fee applies just to redeem your reward points
✗ Base Zenith carries a materially higher revolving interest rate (45% p.a.) than the premium Zenith+ variant (23.88% p.a.) - worth checking you have the right variant
Quick facts
Issuer AU Small Finance Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹7,999 + GST annual, waived on ₹1,25,000 spend within the first 90 days (year 1), or ₹5,00,000 spend in the previous anniversary year (year 2 onward) - confirmed from the official MITC
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹7,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2/quarter, gated behind ₹50,000+ spend in the preceding quarter) plus 8 international visits/year (2/quarter) via a request-issued Priority Pass, ₹2 validation charge per visit; Priority Pass usage within India is separately chargeable
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.49% (revised from 1.99% effective 1 October 2026, confirmed directly from the official bank page; the MITC document, dated July 2026, still shows the pre-revision 1.99% rate since it predates this announced change)
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Not publicly specified; age 21-60 for salaried, 25-65 for self-employed, add-on cardholders must be 18+, resident Indian only
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceAU Small Finance Bank's published card terms and official card page · Last updated September 2026
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Frequently asked questions
The annual fee for AU Bank Zenith Credit Card is ₹7,999 + GST annual, waived on ₹1,25,000 spend within the first 90 days (year 1), or ₹5,00,000 spend in the previous anniversary year (year 2 onward) - confirmed from the official MITC. The joining fee is ₹7,999.
5 Reward Points per ₹100 on dining at standalone restaurants, international spends, and grocery/departmental stores; 3 Reward Points per ₹100 on other merchant categories; 1 Reward Point per ₹100 on insurance and utility/telecom; rent, education, government, EMI, fuel, cash and quasi-cash transactions earn nothing; capped at 5,000 points/statement cycle on dining and 100 points/transaction on utility/telecom; a ₹99 + GST fee applies to redeem points, confirmed from the official MITC
AU Bank Zenith Credit Card is best for Higher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularly. The AU Bank Zenith Credit Card offers a genuinely well-built rewards structure and a strong lounge benefit stack, but its value proposition is shifting meaningfully from October 2026: the forex markup nearly doubles to 3.49% and the fuel surcharge waiver shrinks 90%, both changes already disclosed on the bank's own page. If you're evaluating this card for its currently-advertised low forex rate, know that advantage is about to largely disappear - the reward structure and lounge access remain the more durable reasons to hold it.
The minimum income requirement for AU Bank Zenith Credit Card is Not publicly specified; age 21-60 for salaried, 25-65 for self-employed, add-on cardholders must be 18+, resident Indian only. A minimum credit score of Not publicly specified is also recommended.
Yes, AU Bank Zenith Credit Card offers 8 domestic visits/year (2/quarter, gated behind ₹50,000+ spend in the preceding quarter) plus 8 international visits/year (2/quarter) via a request-issued Priority Pass, ₹2 validation charge per visit; Priority Pass usage within India is separately chargeable.
AU Bank Zenith Credit Card charges a 3.49% (revised from 1.99% effective 1 October 2026, confirmed directly from the official bank page; the MITC document, dated July 2026, still shows the pre-revision 1.99% rate since it predates this announced change) foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
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Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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AU Bank Zenith₹7,999 + GST
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