AU Bank Zenith Credit Card

AU Bank Zenith Credit Card


Joining Fee: ₹ 7999+GST / LTF
Annual Fee: ₹ 7999+GST / LTF




0.25% to 5%



Payment Network



Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access, Railway Lounge Access, BookMyShow Offer, Fuel Surcharge Waiver

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.


AU Bank Zenith Credit Card Lifetime Free (LTF) Offer

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
AU Bank Zenith Credit Card Review: Fees

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.


Spend CategoryRewards
Dining at standalone restaurants20 RP/₹ 100 ~5% return
International Spends
Departmental Stores
10 RP/₹ 100 ~2.5% return
Other Spends5 RP/₹ 100 ~1.25% return
Birthday Spends2500 Bonus RP on one retail transaction
Insurance Spends1 RP/₹ 100 ~0.25% return
EMI, Fuel, Rent, Education, Govt. Services, BBPSNo Rewards
AU Bank Zenith Credit Card: 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

AU Bank Credit Card Rewardz 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.

LTF IDFC First Bank Credit Cards
  • 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 to this list of lounges
  • Airport Lounges outside India: 2 complimentary visits/quarter
  • Railway Lounges in India: 2 complimentary visits/quarter at railway stations in New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra

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. T&C.
  • 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.

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9 thoughts on “AU Bank Zenith Credit Card”

  1. 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.

  2. 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

  3. Restaurant rewards are applicable even if we pay bills via Dineout/zomato/easy dinner to take double deep?

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