Flagship Lifestyle Card — 5% on Dining, 2.5% on Groceries, 24 Lounges & Taj Epicure
High-spending diners, grocery shoppers, and leisure travelers looking for accelerated dining returns, global lounge comfort, and BookMyShow movie ticket discounts.
₹7,999
One-time upfront₹7,999
Waived on ₹5 lakh annual spend5 Reward Points per ₹100 spent (1.25% return; 1 RP = ₹0.25)
On eligible spends2 Domestic visits/quarter + 2 International visits/year · ₹50k quarterly spend required (Domestic)
Complimentary visitsLast verified 12 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Zenith Credit Card is AU Small Finance Bank's premier lifestyle and travel offering, engineered to deliver top-tier reward returns on everyday consumer spending. Priced at ₹7,999 + GST, the card makes a strong first impression with a **first-year fee reversal upon spending ₹1,25,000 in the first 90 days**, alongside **10,000 bonus reward points (worth ₹2,500)** and a complimentary **Taj Epicure membership**. The card's core strength lies in its exceptional reward multipliers for food and shopping lovers: cardholders earn **20 Reward Points per ₹100 spent on dining** (an industry-leading **5.0% return**; 1 RP = ₹0.25), **10 Reward Points per ₹100 on grocery and international transactions** (a 2.5% return), and **5 Reward Points per ₹100 on general retail spending** (a 1.25% base return). For international transactions, the card carries a standard **3.49% Foreign Currency Markup** (effective October 1, 2026). Airport lounge comfort is extensive: **16 complimentary domestic airport lounge visits annually** (4 per quarter) and **8 complimentary international lounge visits per year** (2 per quarter via Priority Pass). Entertainment privileges are equally generous: Buy 1 Get 1 free movie ticket discounts up to ₹500 off on BookMyShow up to **4 times per calendar month** (up to ₹2,000 in monthly cinema savings). With the annual fee waived on spending ₹5,00,000 in the preceding year, AU Zenith is a formidable competitor to mainstream private bank lifestyle cards.
5 Reward Point/₹100 Spent on Dining, International, and Grocery Spends (Reward Rate = 1.25%), and 3 Reward Points/₹100 Spent on All Other Spends Except Fuel (Reward Rate = 0.75%)
Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining Spends | 20 Reward Points per ₹100 spent on dining (5.0% return) | 10,000 Reward Points/mo | Standard terms apply |
| Grocery & Supermarket Spends | 10 Reward Points per ₹100 spent on groceries and supermarkets (2.5% return) | 10,000 Reward Points/mo | Standard terms apply |
| Grocery & Departmental Stores | 10 Reward Points per ₹100 spent | No Cap | Standard terms apply |
| Other Retail Spends | 5 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining Spends | ₹4,000 | 20 Reward Points per ₹100 spent on dining (5.0% return) | — | ₹10,000/monthly | Calculating... | Under cap |
| Grocery & Supermarket Spends | ₹4,000 | 10 Reward Points per ₹100 spent on groceries and supermarkets (2.5% return) | — | ₹10,000/monthly | Calculating... | Under cap |
| Grocery & Departmental Stores | ₹4,000 | 10 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 5 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹7,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹7,999 + 18% GST (reversed on retail spends of ₹1,25,000 within first 90 days). • Annual Renewal Fee: ₹7,999 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual renewal fee waived on achieving cumulative retail spends of ₹5,00,000 or more in the preceding anniversary year. • Welcome Benefit: 10,000 bonus reward points (worth ₹2,500) upon completing retail transactions within 60 days + Taj Epicure membership. • Dining Rewards: 20 Reward Points per ₹100 spent (5.0% return) on dining and restaurant spends. • Grocery & International Rewards: 10 Reward Points per ₹100 spent (2.5% return) on grocery shopping and international transactions. • General Retail Rewards: 5 Reward Points per ₹100 spent (1.25% return) on all other eligible retail transactions. • Point Valuation: 1 Reward Point = ₹0.25. Redeemable for flight tickets, hotel stays, gift vouchers, and merchandise. • Foreign Currency Markup: 3.49% + GST on foreign exchange transactions (effective Oct 1, 2026). • Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (maximum of ₹100 per statement month; effective Oct 1, 2026). • Domestic Lounge Access: 16 complimentary visits per year (max 4 per calendar quarter). • International Lounge Access: 8 complimentary visits per year (max 2 per calendar quarter via Priority Pass). • Entertainment Benefit: Buy 1 Get 1 free movie ticket up to ₹500 off on BookMyShow (up to 4 times per calendar month). • Finance Charges (APR): 3.75% per month (45.00% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹7,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Zenith Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official AU Small Finance Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
AU Small Finance Bank has sharply devalued AU Zenith and AU Vetta credit cards effective October 1, 2026. Zenith's forex markup jumps from 1.99% to 3.49% with fuel waiver slashed by 90%, while Vetta moves to 3.49%. Here is CardRecommend's detailed financial impact analysis and comparison with Zenith+ and ixigo AU.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
AU Zenith+ Credit Card
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Rewards: 2 Reward Points per ₹100 spent (1.0% return; 1 RP = ₹0.50 on travel)
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Forex markup: 1.8% Low Forex
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Best for: Affluent corporate executives, luxury hotel loyalists, and frequent flyers seeking maximum travel reward multipliers paired with premium lifestyle memberships.
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