AU Zenith Credit Card
AU Small Finance Bank
Last verified: 26 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
dining | 1.25% | ₹40,000/monthly |
travel | 1.25% | ₹40,000/monthly |
grocery | 1.25% | ₹40,000/monthly |
| All other spends | 0.75% | No cap |
Redemption fee: 99
Managed via AU Rewardz
Transfer partners
Live Offers
176 activeTJAU15Till 31 DecAU10KTill 31 DecBenefits
Lounge Access
2 domestic visits/quarter
2 international visits/quarter
2 complimentary domestic and 2 international lounge visits per quarter.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Annual Benefit
Birthday bonus Reward Points.
24x7 global concierge assistance.
There is no flat renewal benefit. Recurring value sits in the fee waiver and in any milestones recorded in the milestones array.
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹7,999/yr |
| Renewal Fee | ₹7,999/yr |
| Fee Waiver | Spend ₹5,00,000/year |
| Forex Markup | 1.99% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 99 |
