Route spending through 2 Reward Points per ₹100.
Earn 2.0× here — 2.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Premium · Travel & Lifestyle
AU SMALL FINANCE BANK · AU SMALL FINANCE BANK ZENITH CREDIT CARD
AU Small Finance Bank Zenith Credit Card
ANNUAL FEE
₹4,999 waived at ₹8L spend
FIRST-YEAR NET VALUE
₹32,900 for a mid spender · travel
AU SMALL FINANCE BANK Zenith
Updated 17 Sep 2026 7 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is AU Small Finance Bank's.
MONTHLY INCOME ₹2.5L+ Salaried or self-employed
CREDIT SCORE 700+ Good band
AGE 21 – 60 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹32,900 first-year net value · mid spender · travel
Category rewards ₹27,900
Welcome benefit· Welcome reward points ₹5,000
Annual fee − ₹4,999
Fee waiver (met)· 100% annual fee waiver on ₹8 lakh net retail spends ₹4,999
Net first-year value ₹32,900
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1 pts 1 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 2.0% back
2 Reward Points per ₹100 · 2.0%
2 Reward Points per ₹100 · 2.0%
2 Reward Points per ₹100 · 2.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time AU Small Finance Bank tweaks the program.
Line up your ₹8L before renewal.
Crossing ₹8L in the anniversary year waives the ₹4,999 fee — automatic for spenders at ₹66,667+/month. Watch your pace in months 10–12.
Don't sleep on 2 Reward Points per ₹100.
The second tier earns 2.0× (2.0% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹1.00/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹4,999 · + 18% GST · one-time
Annual fee (year 2+) ₹4,999 · waived at ₹8L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 1.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
16 domestic + 16 international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹5,000 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹8L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How AU Small Finance Bank Zenith Credit Card has changed.
Last verified 17 Sep 2026.
- 2024 Enhanced digital features and app integration Improved customer experience and self-service options
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: AU card product page (official), AU Bank credit card documents hub (official), AU Bank credit card MITC (with Schedule of Charges) PDF (official), AU Bank credit card key fact statement / schedule of charges PDF (official), AU Credit Card airport lounge access program terms PDF (official), AU Credit Card Priority Pass usage terms PDF (official), au.bank.in (PDF). Next scheduled review: 17 Mar 2027.