AU Zenith
AU Small Finance Bank
Last updated: Feb 03, 2026
₹999
₹999
1.99%
6 visits/yr
Contents
AU Zenith is a premium lifestyle credit card tailored for frequent diners and travellers. It offers accelerated rewards on dining and a competitive low forex markup for international spends. Complementary lounge access and milestone bonuses make it attractive for regular card users.
Features of AU Zenith which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than peers
Spend Analyzer
Track monthly expenses by category
Better budgeting
AI-based
Rewards Structure of AU Zenith
Dining
acceleratedRestaurants only
Shopping
baseTravel
acceleratedAirline and hotel bookings
Milestones of AU Zenith
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Free flight ticket
Fees & Charges of AU Zenith
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹1,00,000 annual spend.
Fee Explanation Standard bank rates apply for overdue amounts and cash advances.
Detailed Explanation of AU Zenith Fees
Annual Fee: 999 (yearly)
Waived on ₹1L annual spend
Cash Advance Fee: 2.5% (transaction)
min ₹300
Lounge Access Benefits with AU Zenith
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only
international Lounges
platinumVisits per year: 2
Guest access: Yes
Through Priority Pass
Insurance Coverage with AU Zenith
Travel Insurance
₹10,00,000Valid on international trips
Purchase Protection
₹50,000Within 90 days of purchase
Additional Features of AU Zenith
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with AU Zenith
Welcome Bonus: 10,000 Reward Points
Bonus Conditions: Valid for new customers only; points credited after ₹20,000 spend within 90 days.
Application Process for AU Zenith
Processing Time
5–7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 7 days
Required Documents for AU Zenith
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
AU Zenith Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Zenith
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month
- Indian resident
- Credit score above 700
Pros of AU Zenith
- Free lounge visits
- Strong reward structure
- Attractive milestone bonuses
Cons of AU Zenith
- High annual fee
- Limited merchant offers outside dining
Frequently Asked Questions about AU Zenith
Is there a joining fee?
Yes, ₹999. First-year joining fee may be waived on a specified first-year spend of ₹50,000.
What are the annual-fee waiver conditions?
Annual fee is waived if you spend ₹1,00,000 or more in a year.
What is the forex markup on international transactions?
The forex markup is 1.99% on foreign currency transactions.
How long does it take to receive the card after approval?
Cards are typically dispatched within 5–7 business days after approval.
How do I convert large purchases to EMI?
Use the Smart EMI feature at checkout to convert eligible transactions into EMIs instantly.
Can I add family members?
Yes. Up to 3 add-on cards are allowed for family members.
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