The AU Bank Zenith Credit Card is a premium offering that caters to high-net-worth individuals who desire luxury, travel benefits, and superior lifestyle perks. It comes with an annual fee of ₹7,999 + GST, offering an extensive range of rewards, including complimentary airport lounge access, golf benefits, and dining privileges. The card also provides reward points for every spend, making it an ideal choice for those looking to maximize their spending through multiple categories like travel, dining, and shopping. With the AU Bank Zenith Credit Card, users also enjoy benefits such as milestone bonuses, 1% fuel surcharge waiver, and access to luxury services.
- AU Bank Zenith Credit Card Overview
- Welcome Benefits
- Joining Fees
- Utility Payment Charges
- Membership Benefits of AU Bank Zenith Credit Card
- Rewards from AU Bank Zenith Credit Card
- Milestone Benefits
- Redemption of AU Bank Zenith Credit Card Points
- Gift Vouchers Available
- Airport Lounge Access
- Forex Markup Fee
- Eligibility for AU Bank Zenith Credit Card
- Similar Cards to AU Bank Zenith Credit Card
- Relevant Links
- FAQ
AU Bank Zenith Credit Card Overview
| Feature | Details |
|---|---|
| Card Type | Premium Credit Card |
| Reward Rate | 5 reward points per ₹100 spent on international transactions |
| Reward Value | 1 reward point = ₹0.25 |
| Annual Fee | ₹7,999 + GST |
| Unique Selling Points | Complimentary lounge access, golf benefits, luxury rewards |
| Rating (out of 5) | 4.5 |
Welcome Benefits
| Welcome Benefit | Details |
|---|---|
| Welcome Gift | Get a welcome voucher worth ₹10,000 on spending ₹1,00,000 in the first 60 days |
Joining Fees
| Fee Type | Details |
|---|---|
| Joining Fee | ₹7,999 + GST |
| Annual Fee | ₹7,999 + GST (waived if annual spends exceed ₹5,00,000) |
| Renewal Fee Waiver | Spend ₹5,00,000 annually to get the fee waived |
Utility Payment Charges
| Payment Type | Charges |
|---|---|
| Rent Payment | 1.5% transaction fee |
| Education | 1 reward point per ₹100 spent |
| Insurance | 1 reward point per ₹100 spent |
| Utilities | 1 reward point per ₹100 spent |
Membership Benefits of AU Bank Zenith Credit Card
- Complimentary Airport Lounge Access: Enjoy unlimited domestic and international lounge access through the LoungeKey and Visa programs.
- Golf Benefits: Enjoy 4 complimentary rounds of golf every year.
- Dining Discounts: Get up to 20% discounts at partner restaurants.
- Luxury Concierge Services: Access personalized concierge services for hotel bookings, flight tickets, and event reservations.
- Annual Fee Waiver: Spend ₹5,00,000 annually to get the annual fee waived.
Rewards from AU Bank Zenith Credit Card
| Spend Category | Reward Rate |
|---|---|
| International Transactions | 5 reward points per ₹100 spent |
| Domestic Retail Spends | 2 reward points per ₹100 spent |
| Online Spends | 2 reward points per ₹100 spent |
| Rewards Expire In | 3 years |
Milestone Benefits
| Spending Milestone | Reward Earned |
|---|---|
| ₹1,00,000 in the first 60 days | ₹10,000 worth gift voucher |
| ₹5,00,000 in a year | Annual fee waiver |
Redemption of AU Bank Zenith Credit Card Points
The reward points earned on the card can be redeemed for:
- Flights and hotel bookings through the AU Bank rewards portal.
- Gift vouchers from a wide variety of partners.
- Luxury experiences through exclusive AU Bank partnerships.
Redemption fee: ₹99 + GST per redemption.
Gift Vouchers Available
| Category | Available Vouchers |
|---|---|
| Shopping | Myntra, Pantaloons, Levi’s, etc. |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Marriott Hotels, Taj Hotels, ITC Hotels |
| Cabs | Uber |
| Airline | Vistara Vouchers |
| Luxury | Luxe, Armani |
| Merchandise | Peter England, Van Heusen |
Airport Lounge Access
Enjoy unlimited domestic and international lounge access with the AU Bank Zenith Credit Card. Both primary and add-on cardholders can avail of this benefit.
Forex Markup Fee
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 1.99% on international transactions |
Eligibility for AU Bank Zenith Credit Card
To apply for this card, you need to meet the following eligibility criteria:
- Age: 21 to 60 years old
- Income: Minimum annual income of ₹12 lakh
- Nationality: Indian resident
Card Review: AU Bank Zenith Credit Card
Summary
The AU Bank Zenith Credit Card is designed for those who prioritize luxury and travel. Its comprehensive set of rewards, including complimentary airport lounge access, golf benefits, and concierge services, make it a great option for frequent travelers and high spenders. However, the card’s high annual fee may be a drawback for some, though it can be waived with substantial yearly spending.
Pros and Cons of AU Bank Zenith Credit Card
Advantages:
- High reward points on international spends.
- Unlimited complimentary airport lounge access.
- Golf and luxury concierge benefits.
Disadvantages:
- High annual fee.
- Limited rewards on domestic retail spends.
Similar Cards to AU Bank Zenith Credit Card
| Credit Card | Annual Fee | Key Benefits | Reward Rate |
|---|---|---|---|
| HDFC Infinia Credit Card | ₹12,500 + GST | Luxury travel, dining, golf benefits | 5 reward points per ₹150 spent |
| ICICI Emeralde Credit Card | ₹12,000 + GST | Lounge access, golf benefits | 4 reward points per ₹100 spent |
| SBI Elite Credit Card | ₹4,999 + GST | Free movie tickets, dining rewards | 2 reward points per ₹100 spent |
Comparison
- HDFC Infinia offers higher rewards on all transactions and a greater focus on luxury travel, but comes with a higher annual fee.
- ICICI Emeralde provides similar lounge and golf benefits but with slightly lower rewards on international spending.
- SBI Elite offers free movie tickets and lifestyle rewards at a lower annual fee, making it ideal for non-travelers.
Relevant Links
FAQ
Best AU Credit Cards in India
AU Zenith Credit Card: Ideal for premium lifestyle benefits, including luxury hotel memberships and complimentary lounge access.
AU Vetta Credit Card: Great for multi-rewards and lifestyle benefits, with accelerated reward points on utility bill payments and grocery shopping.
AU Altura Plus Credit Card: Offers cashback and reward points with no capping, making it a versatile choice for everyday spending.
AU LIT Credit Card: customizable features based on your lifestyle, allowing you to switch features on/off and pay only for what you use.
Fee for AU Zenith Plus Credit Card
The AU Zenith Plus Credit Card has a joining and annual fee of ₹4,999 plus applicable taxes. The renewal fee can be waived if you spend ₹8 lakhs in the card anniversary year.
Minimum Credit Score for AU Bank Credit Card
To qualify for an AU Bank credit card, you generally need a credit score of 750 or above.
What is the annual fee for the AU Bank Zenith Credit Card?
The annual fee is ₹7,999 + GST, but it can be waived if you spend ₹5,00,000 in a year.
Does this card offer complimentary lounge access?
Yes, both domestic and international lounge access is complimentary for primary and add-on cardholders.
What rewards can I earn with this card?
You can earn 5 reward points per ₹100 on international transactions and 2 reward points per ₹100 on domestic and online spends.
