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AU Zenith

Annual Fee

₹2,999

Rewards/₹100

₹1.50 - ₹6.25

Normalized to balance base rate with bonus categories

Interest Rate

39.00%

Credit Score

750+

At a Glance

Key Benefits

5X travel rewards, 2% forex, unlimited domestic lounges, Rs 50L insurance

Lounge Access

Unlimited domestic lounges, 8 international per year

Eligibility

Age: 21-60, Income: Rs 75,000+/month, CIBIL: 750+

Quick Details

Annual Fee
₹2,999 #236
Joining Fee
₹2,999 #236
Interest Rate
39.00% p.a. #64
Forex Markup
2.00% #38
Rewards/₹100
₹1.50 - ₹6.25 #30
Reward Type Reward Points
Reward Currency Points
Min Credit Score
750+ #186
Min Monthly Income ₹50
Network VISA
Late Payment Fee ₹800
Over Limit Fee 2.50% (min ₹500)
Cash Advance Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹2,00,000/yr

Reward Structure

Base

All Spends

₹1.50 /₹100
Cat

Travel

₹7.50 /₹100
Cat

Dining

₹4.50 /₹100

Reward Calculator

Allocate by Category 100%
Travel
15.0 pts
50% ₹0
Dining
9.0 pts
30% ₹0
Other Spends
3.0 pts
20% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Insurance Coverage

Lost Card

₹0

Zero liability for lost card transactions.

Fraud

₹0

Zero liability for unauthorized transactions.

Air Accident

₹50,00,000

Rs 50 lakh air accident cover for travel booked using this card.

Quick Analysis

The AU Small Finance Bank AU Zenith is a solid credit card option. With an annual fee of ₹2999, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.

Pros

  • Annual fee waiver on spending ₹200000
  • Good insurance coverage up to ₹50 lakh
  • 24x7 dedicated concierge service
  • Low forex markup of 2.00% - great for international spends
  • Extended interest-free period of 50 days

Cons

  • No complimentary lounge access
  • Reward points may have limited redemption options

Frequently Asked Questions

What is AU Zenith annual fee?
AU Zenith has Rs 2,999 annual fee, waivable on Rs 2 lakh annual spend.
What is AU Zenith forex markup?
AU Zenith offers low 2% forex markup on international transactions.
How many lounge visits with AU Zenith?
AU Zenith offers unlimited domestic and 8 international lounge visits per year.
Is AU Zenith good for travel?
Yes, with 5X travel rewards, low forex, and extensive lounge access, it is excellent for travelers.
What insurance does AU Zenith offer?
AU Zenith provides Rs 50 lakh air accident insurance for card bookings.

User Reviews

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