AU Bank Zenith credit card is a premium offering from AU Bank. It comes with a joining and annual fee of ₹ 7999+GST but is offered LTF for government employees and select MNC employees. With the launch of Zenith+, there have been several changes to Zenith rewards and benefits. But, it still retains some of the core rewards and benefits. The reward rate for regular spends is 1%. Dining spends at standalone restaurants gets 4% accelerated rewards. AU Bank Zenith credit card also offers multiple benefits – railway lounge access, domestic & international airport lounge access along with BookMyShow offer.
Fees
AU Bank Zenith Credit Card Lifetime Free (LTF) Offer
AU Bank Zenith credit card is issued as Lifetime Free (LTF) for the government and employees of select MNCs.
| Joining Fee | ₹ 7999+GST or LTF |
| Joining Fee Waiver | ₹ 1.5 Lakh spend |
| Welcome Benefit | ₹ 1000 voucher on 1st POS transaction within 60 days 10000 RP on ₹ 1 Lakh spend within 60 days |
| Annual Fee | ₹ 7999+GST or LTF |
| Annual Fee Waiver | ₹ 5 Lakh spend |
If you are getting the AU Bank Zenith credit card LTF, then it is a good option. But if you need to pay the fee, then the new Zenith+ credit card is a much better choice.
Rewards
| Spend Category | Rewards |
|---|---|
| Dining at standalone restaurants | 20 RP/₹ 100 ~5% return |
| International Spends, Grocery, Departmental Stores | 10 RP/₹ 100 ~2.5% return |
| Other Spends | 5 RP/₹ 100 ~1.25% return |
| Birthday Spends | 2500 Bonus RP on one retail transaction |
| Insurance Spends | 1 RP/₹ 100 ~0.25% return |
| EMI, Fuel, Rent, Education, Govt. Services, BBPS | No Rewards |
- We can earn a maximum of 5000 RP per statement cycle on dining at standalone restaurants
- Rewards on utility and telecom spends capped at 100 RP per statement cycle
- Maximum reward points per statement cycle capped at 25000 RP
With the latest devaluation, quite a few spend categories are not eligible for rewards. The expected categories like fuel, rent, government services are there. But, so are few more categories like education, utilities etc.
Milestone Rewards
- ₹ 1000 gift vouchers on ₹ 2 Lakh of retail spends per calendar quarter
- Complimentary Epicure Membership on ₹ 8 Lakh retail spends in a card anniversary year
Rewards Redemption
The reward points can be redeemed on the AU Rewardz portal. Each RP is worth 25 paise for all redemptions except vouchers. For vouchers, the value of each RP is 20 paise. There is a reward redemption charge of ₹ 99+GST.
- Vouchers: Many options including Amazon Pay gift vouchers
- Merchandise: Not recommended as we get a better value in other options
- Mobile/DTH Recharge
- Flight/Hotel/Bus booking
- Movies
- Airmiles: Only Vistara at 4 RP = 1 Airmiles ratio
Complimentary Airport and Railway Lounge Access
- Airport Lounges within India: 2 complimentary visits/quarter with Visa card
- Airport Lounges outside India: 2 complimentary visits/quarter
- Railway Lounges in India: 2 complimentary visits/quarter
All of the above complimentary lounge visits are also applicable to add-on credit card holders.
Other Benefits
- BookMyShow Offer: BOGO offer for 50% off up to ₹ 250 once per calendar month
- Fuel Surcharge Waiver: 1% waiver up to ₹ 1000 per statement cycle
- Forex Markup: 1.99%+GST ~2.35%
Final Thoughts
There is no value in getting the AU Bank Zenith credit card by paying ₹ 7999 as the annual fee. We have much better cards available at a lesser annual fee. But, if you are getting the Zenith as LTF then may be a good option to get it.
AU Bank Zenith Credit Card
9 thoughts on “AU Bank Zenith Credit Card Review”
1 RP = 0.25p for all other options except voucher redemption where 1 RP = 0.20p. I think you should include maximum potential reward redemption rate for any card, just like how other cards sections using max. value.
If it is voucher then Infinia is just 1.5% or lower but that card contains max. potential of 3.33% opportunity that may or maynot used by users but that articles mentioned max. value similarly this card should use 1 RP = 0.25p and dining 5%, and others 1.25% etc. IMO.
Good point. The review is updated now. 🙂
BookMyShow Offer: 50% off up to Rs 250 once per calendar month
earlier it was upto 400 now decreased to upto 250rs. Please update article
This is updated along with the devaluation that was announced recently.
Does this card give reward points for rent payment also?
Yes, it does
Restaurant rewards are applicable even if we pay bills via Dineout/zomato/easy dinner to take double deep?
Are welcome benefits applicable for LTF cards?
Yes, they are.