Credit Cards · Honest Review
AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank · Visa
Your Verdict
- ✓Premium super-premium card with 3% base reward rate on all spends
- ✓20 points per 100 (5%) on standalone restaurant dining
- ✓8 domestic and 8 international lounge visits annually via Priority Pass
- ✓Low forex markup of 2% for international spends
- ✓High but waivable annual fee tied to substantial spend thresholds
What AU Small Finance Bank Zenith Credit Card costs you
AU Small Finance Bank Zenith Credit Card carries a ₹7,999 annual fee and a ₹7,999 one-time joining fee. The annual fee is waivable: 1st year waived on 1.25 lakh spend in 90 days; subsequent years waived on 5 lakh annual spend.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹7,999 |
| Joining fee (one-time) | ₹7,999 |
| Fee waiver condition | 1st year waived on 1.25 lakh spend in 90 days; subsequent years waived on 5 lakh annual spend |
| Spend required for waiver | ₹5,00,000 / year |
| Foreign transaction fee (forex markup) | 2% per transaction |
What you earn on every rupee spent
AU Small Finance Bank Zenith Credit Card earns 3.00% on all eligible spends as a base reward rate, with accelerated rates on dining & food, groceries, travel & flights and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 3.00% |
| 🍽️ Dining & Food | 5% |
| 🛒 Groceries | 2.5% |
| ✈️ Travel & Flights | 2.5% |
Reward types: Points · Lounge
Beyond the reward rate
The non-reward benefits on AU Small Finance Bank Zenith Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for AU Small Finance Bank Zenith Credit Card
AU Small Finance Bank Zenith Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,00,000 |
| CIBIL score | 750+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time |
Premium card targeted at high-income, high-spend applicants; add-on cardholders above 18 years.
Who should (and shouldn't) get AU Small Finance Bank Zenith Credit Card
- → Heavy spenders on dining & food who want 5% back
- → Heavy spenders on groceries who want 2.5% back
- → Frequent travelers who value airport lounge access
- → International spenders benefiting from low forex markup
- → Moderate spenders who can clear the fee waiver condition
- → Low spenders who won't recover the high annual fee
AU Small Finance Bank Zenith Credit Card — Questions answered
What is the annual fee for AU Small Finance Bank Zenith Credit Card?
What is the minimum income required for AU Small Finance Bank Zenith Credit Card?
What is the reward rate on AU Small Finance Bank Zenith Credit Card for dining & food?
Does AU Small Finance Bank Zenith Credit Card provide airport lounge access?
How do I get the annual fee waived on AU Small Finance Bank Zenith Credit Card?
How long does it take to get AU Small Finance Bank Zenith Credit Card approved?
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