AU Bank Zenith Credit Card: Features & Benefits

Table of Contents

Summary

The AU Bank Zenith Credit Card is a luxury credit card specifically created to provide a range of benefits that refine the lifestyle and financial experience of the cardholder. With a metallic finish, the card looks and feels contemporary. One of its best advantages is the reward points scheme where cardholders can earn 2 reward points per ₹100 spent on everyday spending, and enhanced points for activities such as eating out, holidays, and Internet shopping.

In addition to the reward points, the card gives welcome rewards by way of bonus points or vouchers, so new customers get something from the outset. One of the key advantages of the AU Bank Zenith Credit Card is an exemption from fuel surcharge on all Indian fuel pumps, and that saves on refueling expenditure. Dining, shopping, and travel deals exclusive to the cardholders are also offered, complementing the value of the experience.

The points earned on this card can be used for choices, say shopping vouchers, air miles, or even cashback, so customers have an option when they use their reward benefit.

Introduction

Nowadays in this era of digitalization, not only is the credit card an economic asset, but also a statement of life. Several Indian banks are presently offering different forms of credit cards to their clients, one among them being the AU Zenith Credit Card. It is specifically designed for customers who look forward to making rewards and privileges on their spending.

The AU Zenith Credit Card is filled with various features that set it apart from other cards offered in the market. Firstly, the AU Zenith Credit Card offers a list of rewards against the highest spending like cashback, travel points, and reward points. Apart from this, there are exclusive discounts offered to cardholders while booking movie tickets, making it even more attractive for entertainment enthusiasts.

Through credit cards, customers can receive exclusive advantages while shopping from various online and offline stores. While you utilize the AU Bank Zenith credit card, you receive reward points, which you can redeem later for various products and services. In this manner, you not only save on your expenditures but also receive extra benefits on each transaction.

In this article today, we will talk in detail about the AU Zenith Credit Card. Where we will explain to you in detail about its advantages. So read this article till the end so that you do not have any issues later.

What is the AU Bank Zenith Credit Card?

A credit card is a unique brand of credit card provided by AU Bank. AU Zenith credit card is created for clients who intend to make maximum use of their expenditures.

By this, customers can enjoy different reward points, cashback, and discounts. For instance, when you make use of the AU Bank Zenith credit card, you earn reward points on your purchases that you can redeem for products or services later.

Besides this, AU Zenith credit card also has additional features such as travel insurance, movie ticket booking discounts, and customer support available 24/7. On the whole, the AU Zenith credit card is a handy financial product that assists you in controlling your expenses and receiving a better experience.

How is the design of the AU Bank Zenith Credit Card?

The AU Zenith Credit Card design is minimalist and sophisticated, with a chic, metallic appearance. The card has an elegant yet minimalist appearance, and it has a deep blue hue that provides a luxurious touch.

The card also features the AU Bank logo in large size on the front side, making it instantly identifiable. The overall aesthetic is minimalist yet classy, which is ideal for people who prefer a classy and sophisticated look.

What are the benefits of the AU Bank Zenith Credit Card?

The best part about one of the top benefits is that you accumulate reward points as you spend regularly, which may be redeemed to obtain products, gift items, or even a price cut. For example:

Reward Points for Transactions: 2 reward points per ₹100 in regular transactions and additional reward points for special categories like restaurants, travel, and online purchases.

Welcome Offers: On a card subscription, you receive reward points or vouchers as welcome offers, thus an excellent start.

Fuel Surcharge Waiver: You are now spared the fuel expenses by way of a fuel surcharge waiver on all the petrol pumps across India on card usage.

Privileged Lifestyle Rewards: The card also entitles you to the privileges of special offers on dining out, shopping, and travel, with savings.

Reward Points Redemption: You can redeem the reward points in the form of several options such as shopping vouchers, air miles, or even cashback.

What are the fees for the AU Bank Zenith Credit Card?

Here is a simple AU Bank Credit Card fee breakup.

Joining Fee	₹10,999 + GST (one-time fee when you get the card).
Annual Fee	₹10,999 = GST per year. This will be waived if you spend 15,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Bank Zenith Credit Card?

The following are the primary requirements:

You must be between 18 and 70 years old to apply for the AU Zenith Credit Card.

The income requirement differs according to your employment status:

Self-Employed Professionals: A minimum Annual income of Rs 30 lakhs usually does the job.

A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750.

You must be an Indian resident and have valid address proof within the country.

A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an AU Bank Zenith Credit Card?

The documents that you will have to submit to Get a AU Zenith Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Bank Zenith Credit Card be used?

Here is the list of places where you can use it:

With the AU Zenith Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your AU Zenith Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The AU Zenith Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Bank Zenith Credit Card?

The credit amount you can spend is what you are provided with an AU Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an AU Bank Zenith Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of the AU Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the Bank Zenith Credit Card.

Just hover your cursor on the AU Zenith Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after submitting it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest AU Bank branch to apply for the AU Zenith Credit Card.

Request for the credit card application form for the AU Zenith Credit Card. They will provide you with the form and proceed accordingly.

Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the AU Zenith Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an AU Bank Zenith Credit Card in 2025 be right?

Yes, getting an AU Bank Zenith Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

AU Bank Credit Card is a monetary tool that provides numerous facilities and benefits to its users. By using the AU Zenith Credit Card, customers not only gain reward points on their regular spending but also get cashback and discount. AU Zenith Credit Card is especially helpful for online and offline shoppers who shop regularly, as the offers and rewards that come with it can enhance your shopping experience even more.

Another key feature of AU Zenith Credit Card is its customer-friendly interface. AU Bank’s mobile app helps you track your expenses and get information about reward points. Also, 24/7 customer support is available in case you have any kind of problem so that your problems can be resolved immediately.

By availing AU Bank Credit Card, you can make your life convenient in different areas. Be it an emergency helpline facility during travel or discounts on movie ticket booking, the AU Zenith Credit Card helps you make your experience even better.