AU Bank Zenith Credit Card

9
Expert ScoreRead review
  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.

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AU Bank Zenith Credit Card

9
Expert ScoreRead review
  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.
Category:
Reward Type
Reward Points
Renewal Fee
Rs. 7,999 + GST
Joining Fee
Rs. 7,999 + GST
Type of Card
Reward
Welcome Benefits
Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.

USP of Card

  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.

Fees & Charges

Spend Based Waiver
Joining fee can be waived on spending of Rs. 1.25 lakh within 90 days of card activation, annual fee can also be waived on spending Rs. 5 lakh in the previous year
Interest Rates
1.99% per month (23.88% annually)
Cash Advance Charges
1.99% of the transaction amount
Rewards Redemption Fee
Nil
Fuel Surcharge
1% fuel surcharge waived off at all fuel pumps all over India (no max cap applicable)
Foreign Currency Markup
2.5% of the transaction amount (subject to a minimum charge of Rs. 100)
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
20 Reward Points for every Rs. 100 spent on dining at standalone restaurants
Reward Redemption
Reward Points can be redeemed for merchandise, e-vouchers, mobile or DTH recharges, flight or hotel bookings on AU Rewardz portal, 1 RP = Rs. 0.25
Zero Liability Protection
The cardholder will not be held liable for any unauthorized transaction done with the card after reporting the loss of the card to the bank.
Rewards Rate
20 Reward Points for every Rs. 100 spent on dining (reward rate = 5%), 10 Reward Points for every Rs. 100 spent on international purchases and grocery
Travel
Reward Points can be redeemed for flight and hotel bookings on the AU Rewardz portal and complimentary access to IRCTC lounges.
Online Shopping offers
NA
Insurance Benefits
Comprehensive insurance cover including lost card liability cover, Credit Shield, air accident cover, and multiple other travel-related insurance covers
Domestic Lounge Access
4 per quarter with Visa domestic lounge access program
International Lounge Access
2 every quarter with Priority Pass membership
9Expert Score
  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.
Best values score
9
PROS
  • With this credit card, you can get airport and railway lounge access.
  • The foreign currency markup fee is low at 1.99% of the transaction amount.
CONS
  • This card comes at a high joining fee of Rs. 7,999
  • There are no golf and movie benefits provided with this card.
9Expert Score
  • 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
  • Up to 20 Reward Points per Rs. 100 spent.
  • Vouchers worth Rs. 1,000 on the expenditure of Rs. 2 lakh in a calendar quarter.
  • Complimentary Taj Epicure membership of minimum expenditure of Rs. 8 lakh in an anniversary year.
  • 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
  • Lower foreign currency markup fee of 1.99% of the transaction amount.
  • Complimentary (limited) domestic/international airport and IRCTC lounge access.
  • Spend-based waiver of joining and annual fee.
Best values score
9
PROS
  • With this credit card, you can get airport and railway lounge access.
  • The foreign currency markup fee is low at 1.99% of the transaction amount.
CONS
  • This card comes at a high joining fee of Rs. 7,999
  • There are no golf and movie benefits provided with this card.

Specification: AU Bank Zenith Credit Card

Bank Name

AU Bank

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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AU Bank Zenith Credit Card
AU Bank Zenith Credit Card

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