Gateway to Digital Life. Download AU 0101.

Zenith Credit Card

As the most premium Credit Card offered by us, the Zenith card provides you with a range of benefits. Unwrap the best offers, travel abroad in luxury, and live your best life with the Zenith card today!

Features and Benefits

Accelerated Rewards Program

  • - 20 Reward Points per INR 100 retail spends done on Dining at standalone restaurants.
  • - 10 Reward Points per INR 100 retail spends done on International transactions, Grocery and Departmental stores.
  • - 5 Reward Points per INR 100 retail spends done across other merchant categories.
  • - 1 Reward Point per INR 100 retail spends done on Insurance and Utility & Telecom categories.
Note: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends and a maximum of 5,000 Reward Points in a statement cycle on Dining Spends.

Milestone Benefits

Quarterly Milestone Benefits
INR 1,000 vouchers on minimum INR 2 lakh retail spends done per calendar quarter. Choose your vouchers from a bouquet of top brands.
Yearly Milestone Benefits
Complimentary Epicure Membership on minimum of INR 8 lakh retail spends in a card anniversary year. For detailed terms & conditions of Epicure membership, click here.

Lower International Mark-Up Fees

Much lower cross currency foreign mark-up fees of 1.99% applicable on your International transactions.

Birthday Benefit

Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday.

Complimentary Lounge Access

Airport Lounges
- 2 complimentary lounge access per calendar quarter within India, using your VISA Card.
  • For eligible list of Domestic Airport lounges, click here. For detailed terms & conditions, click here.
- 2 complimentary lounge access per calendar quarter, using Priority Pass at all participating lounges. For eligible list of Priority Pass lounges, click here. Usage of Priority Pass within India is chargeable. For detailed terms & conditions, click here
Railway Lounges
  • 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations. For list of lounges and terms & conditions, click here
  • Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits. Please click here to view details.

Dedicated Concierge Services

Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance. Be it booking of your travel or arranging a golf session or planning a perfect anniversary dinner, leave it to us and relax.

Call us on our 24 X 7 number at 1800 210 0298 (toll free) or 022-42320298.

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum INR 1,000 per statement cycle).

AU Rewardz

Get a plethora of options to redeem your Reward Points for amazing benefits. Some of them are:

- E-vouchers of top brands
- Merchandise
- Mobile/DTH recharges
- Flight/Hotel bookings and much more

Click Here to explore our AU Rewardz offerings.

Priority Customer Service

Mail us your queries on [email protected] for priority assistance.

Comprehensive Protection Cover

Air Accident Cover
INR 2 Crore.
Card Liability Cover
  • - In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
  • - Also, you are protected against Card Counterfeit/Skimming and Online frauds.
Credit Shield
Up to INR 15 Lakhs.
Purchase Protection
Up to INR 50,000
Other Travel related covers
-In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.
Please click here to view detailed terms and conditions. To claim any of the mentioned insurance benefits, please call our Customer Care no. 1800 1200 1500.

Contactless Card Usage

Use your AU Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for amounts up to INR 5000.


Convert your transactions worth INR 2,000 or more into easy EMI options on select tenure of your choice. Simply call our Customer Care helpline to book your XpressEMI.

Add-on Cards

Offer your Zenith Credit Card benefits to your loved ones, through our Add on card offering. What's more? Your Add on card comes free for lifetime! So, go ahead and avail it.

Annual Card Membership fee – Rs. 7,999 + applicable taxes

Conditions for Annual Card Fee waiver

- For 1st year fee waiver : INR 1,25,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver : INR 5,00,000 retail spends done in previous card anniversary year

Click here to view Key Fact Statement.

Eligibility Criteria

  • - Primary cardholder between the age of 21 years and 60 years
  • - Add-on cardholder should be over 18 years
  • - Resident Indian

These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Already applied? Click here to check status