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Monthly Milestone Benefits

Bonus 1000 Reward Points on retail spends of Rs. 50,000 or more in statement cycle.

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Accelerated Rewards Program

Maximize your rewards with Reward Points on dining, groceries and more.

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Complimentary Lounge Access

Enjoy a more comfortable travel experience with 2 complimentary domestic* and international lounge visits per quarter.

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Birthday Bonus Reward Point

Celebrate your birthday with Bonus Reward Points.

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Lower International Mark-Up Fees

Much lower cross currency foreign mark-up fees of 1.99%* applicable on your International transactions.

 

 

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Comprehensive Protection Cover

Enjoy comprehensive protection with Zenith Credit Card, including Air Accident Cover, Purchase Protection and more.

 

XpressEMI

Convert transactions worth Rs.2,000 or more into EMI.

Curated Offers of Visa

Exclusive offers on ITC Hotels, Elivaas, Visa Meet & Greet services, DinewithVisa and much more for Zenith Visa Credit Card.

Curated Offers of RuPay

Unlock amazing offers curated for Zenith RuPay Credit Card.

 

AU Rewardz

On online and offline spends.

Fuel Surcharge Waiver

Enjoy 1% Fuel Surcharge Waiver (up to ₹1000) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.

 

*Effective 1st October 2026, Fuel Surcharge Waiver will be up to ₹100 per statement cycle for transactions between ₹400 to ₹5000.

 

Dedicated Concierge Services

Personalize your travel, entertainment, and leisure experiences with our Global Concierge Assistance. Reach us 24×7 at 1800 210 0298 (toll‑free) Rewardz.

Contactless Card Usage

Make quick & secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with digitally added card, against a POS machine.

Add-On cards

Offer your Zenith Credit Card benefits to your loved ones, through our Add on card offering.

Priority Customer Service

Mail us your queries on creditcard.priority@aubank.in for priority assistance.

Things to know

Eligibility

Primary cardholder age group:

  • Self Employed: 25 years to 65 years
  • Salaried: 21 years to 60 years

Add-on cardholder:

  • Should be over 18 years

Resident Indian

These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.

Fees and charges

Annual Card Membership fee: ₹7,999 + applicable taxes.

Conditions for Annual Card Fee waiver:

  • For 1st year fee waiver : ₹1,25,000 retail spends done within 90 days of card set up
  • For 2nd year onwards fee waiver : ₹5,00,000 retail spends done in previous card anniversary year

Click here to view Key Fact Statement.

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Why AU Bank

  • <p>National presence</p>

    National presence

    Bank with us through a network of 2,700+ touchpoints.

  • <p>Get a bit more</p>

    Get a bit more

    Enjoy quality services at competitive rates.

  • <p>Visit branches without the wait</p>

    Visit branches without the wait

    Our ample touchpoints ensure all our customers are conveniently served.

  • <p>Superfast app</p>

    Superfast app

    Manage and track all your transactions on the AU 0101 App.

  • <p>Sustained growth</p>

    Sustained growth

    Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.

AU OneTrack

AU OneTrack

Track Your Complete Financial Picture with OneTrack on AU 0101

  • Free credit score check Free credit score check
  • All bank account balances All bank account balances
  • View MF, stocks, FD, NPS and EPF View MF, stocks, FD, NPS and EPF
Know More

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Customer support

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Milestone benefits

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    Earn 1,000 Bonus Reward Points on achieving minimum spending of Rs. 50,000 or more within a statement cycle.

Accelerated rewards program

    • Earn 5 Reward Points per Rs.100 spent on Dining at standalone restaurants, International spends, Grocery & Departmental Stores.
    • Earn 3 Reward Points per Rs.100 spent across merchant categories*.
    • Earn 1 Reward Point per Rs.100 spent on Insurance and Utility & Telecom categories.

*Note: Cash, Rent, Education & Govt, EMI, fuel, BBPS, Transportation and Quasi cash transactions are not eligible for Reward Points. Cardholders will earn a maximum of 100 Reward Points per transaction on utility & telecom spends and a maximum of 5,000 Reward Points in a statement cycle on dining spends.

Complimentary Lounge Access

  • Complimentary Domestic Airport Lounges: Unwind in comfort with 8 complimentary domestic lounge access annually* (2 per quarter) with your AU Zenith Credit Card. For eligible list of Domestic Airport lounges, click here. For detailed terms & conditions, click here

    *Note: Cardholders can enjoy access to domestic airport lounges upon achieving retail spends of Rs. 50,000 or more in preceding calendar quarter. Know More

 

  • Complimentary International Airport Lounges: Relax and rejuvenate with 8 complimentary international airport lounge access annually (2 per quarter) using your Priority Pass. For eligible list of International Airport lounges, click here.

    Note: Usage of Priority Pass within India is chargeable. Know more

    Issuance of Priority Pass is request-based; kindly reach out to our customer care team for assistance.

Birthday Bonus Reward Point

Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday.

Comprehensive Protection Cover

  • Up to Rs.2 cr: Air accident cover
  • Up to Rs.15 lakhs: Credit shield & Card Liability
  • Up to Rs.50,000 Purchase protection cover
  • Zero liability on fraudulent transactions done on your lost card after you report the card loss to the bank.
  • Protect your card against counterfeit/skimming and online frauds.
  • Travel Cove on baggage delay, delay in flight, loss of passport and plane hijack.

 

Please click here to view detailed terms and conditions. To claim any of the mentioned insurance benefits, please call our Customer
Care no. 1800 1200 1500

XpressEMI

Now convert transactions of Rs.500 and above with a minimum total value of Rs 2,000 into EMI, club up to 20 billed or unbilled transactions together for conversion.

You may now convert eligible credit card transactions into EMIs using any of the following channels:

 

  • AU0101 App: Convert your transaction in to EMI in 2 steps. To convert, click here
  • Net-Banking: Convert your transaction into EMI in 2 steps. To covert, click here
  • Auro Chat-bot: Convert your transaction into EMI in 2 steps. To covert, click here
  • WhatsApp Banking:  Just write “Hi” on our official AU Bank channel over WhatsApp: (8383838399) and proceed
  • On Call: 1800 1200 1500 (Our Customer Care team will help you convert instantly)
  • IVR (Interactive Voice Response)

Curated Offers of Visa

  • Experience luxury stay at ITC Hotels (India’s third largest Hotel chain with an array of brands offer available at 40+ properties). Stay for 3, Pay for 2 and 50% savings on the 2nd night. Know More
  • Exclusive Stay Offers with Elivaas (Curated luxury villa vacations at coveted Indian destinations, offers available at 150+ luxury villas). Stay for 3, Pay for 2 and 50% savings on the 2nd night. Know More
  • Complimentary Visa Meet & Greet services (available at all major Indian airports for International flights (to/from) from India). Offered only to Cross-border active customers meeting a specific spends threshold and repeat customers can avail a 10% discount. Know More
  • Premium Dining Program Dine with Visa, offering reservations & curated menus that help cardholders enjoy a unique culinary experience. Know More

Lower International Mark-Up Fees

Effective 1st October 2026, Forex Markup will be revised from 1.99% to 3.49% for your international transactions.

 

Curated Offers of RuPay

  • Enjoy now amazing offers available on your Zenith RuPay Credit Card. Know More

AU Rewardz

Redeem your Reward Points across a variety of exciting benefit options, including:

  • Flight & Hotel Bookings
  • E-vouchers of top brands
  • Merchandise and many more

Fuel surcharge waiver

  • 1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum ₹1,000 per statement cycle).

Dedicated concierge services

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    Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.

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    Be it booking of your travel or arranging a golf session or planning a perfect anniversary dinner, leave it to us and relax.

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    Call us on our 24 X 7 number at 1800 210 0298 (toll free) or 022-42320298.

Contactless Card Usage

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    Use your AU Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for amounts up to ₹5000.

Add-on Cards

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    Offer your Zenith Credit Card benefits to your loved ones, through our Add on card offering. What's more? Your Add on card comes free for lifetime! So, go ahead and avail it.
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