M16S / AU Small Finance Bank / AU Zenith Credit Card
premium · rewards, travel
AU Zenith Credit Card
The AU Zenith Credit Card costs Rs 7,999 a year, waived if you spend Rs 5,00,000 in a year. Its base return is 0.75% (3 RP per Rs 100). The forex markup is 3.49%. Lounge visits in India: 8 per year (2 per quarter). Abroad: 8 per year (2 per quarter) via Priority Pass, issued on request. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 7,999+ GST
- Fee waived at
- Rs 5,00,000annual spend
- Base return
- 0.75%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026
From 10 April 2026 a cardholder needs net retail spend of at least Rs 50,000 in a calendar quarter to get complimentary domestic lounge access in the next quarter. Only primary cardholders qualify. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU raises Priority Pass usage charge to USD 35, Jan 2025
From 1 January 2025 Priority Pass usage in India and visits above the complimentary international visits are charged USD 35 per visit, up from USD 27. Applies to Zenith+, Zenith, Vetta and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU domestic lounge access becomes spend based, Jan 2025
From 1 January 2025 AU enabled complimentary domestic lounge access on Visa/RuPay AU credit cards only on meeting a spend-based eligibility test. The notice covers Zenith, Vetta, Xcite Ace, Xcite Ultra, SPONT, NOMO and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Rs 7,999 |
|---|---|
| Annual fee | Rs 7,999 |
| Annual spend that waives the fee | Rs 5,00,000 |
| Fee notes | Rs 7,999 + GST. First-year fee waived on Rs 1,25,000 retail spend within 90 days of card setup; renewal waived on Rs 5 lakh retail spend in previous anniversary year. Fee is billed about 90 days after setup unless waiver is met. |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earn | 3 RP per Rs 100 |
| Base returnunverified | 0.75% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 5 RP per Rs 100 on standalone dining, international spends, grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom |
| Caps | Dining: 5,000 RP per statement cycle. Utility & telecom: 100 RP per transaction. |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | 1,000 bonus RP on statement-cycle spend of Rs 50,000+; 2,500 bonus RP for one retail transaction on birthday. Quarterly Rs 1,000 voucher milestone and yearly Taj Epicure milestone discontinued from 1 Jan 2026. |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 3 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | 8 per year (2 per quarter) |
|---|---|
| International lounge | 8 per year (2 per quarter) via Priority Pass, issued on request |
| Lounge conditions | Domestic visits need Rs 50,000+ retail spend in the preceding calendar quarter. Priority Pass use inside India is chargeable. |
| Forex markup | 3.49% |
| Fuel surcharge waiverunverified | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month (KFS v1.9); product page fine print also shows Rs 1,000 |
| Other freebies | Air accident cover Rs 2 crore; credit shield Rs 15 lakh; purchase protection Rs 50,000; travel covers; 24x7 concierge; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2 |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Forex markup revised from 1.99% to 3.49% effective 1 Oct 2026 (product page notice); the December 2025 MITC still shows 1.99%. Joining fee is not shown separately; Rs 7,999 is the annual fee charged in year one unless the 90-day spend waiver is met. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Zenith Credit Card?
- Rs 7,999 a year, before GST. It is waived if you spend Rs 5,00,000 in a year.
- Does the AU Zenith Credit Card give airport lounge access?
- Yes. In India: 8 per year (2 per quarter). Outside India: 8 per year (2 per quarter) via Priority Pass, issued on request. Conditions: Domestic visits need Rs 50,000+ retail spend in the preceding calendar quarter. Priority Pass use inside India is chargeable.
- What is the forex markup on the AU Zenith Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Zenith Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash