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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹7,999 in vouchers, points or cashback on card activation
5% on Travel
5% cashback on travel transactions
5% on International
5% cashback on international spends
Airport Lounge Access
4 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹7,999/yr fully waived when you spend ₹8,00,000/year
24x7 Concierge
24x7 concierge and lifestyle services
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
16 visits/yr
Domestic lounges
Priority Pass
International lounges
₹15,000
Estimated annual value
2%
Forex markup
5.0%
Travel reward rate
- Domestic + international airport lounge access (16 visits/yr, worth ~₹15,000)
- 5.0% effective return on travel bookings
- Low forex markup: 2.0%
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
travel cashback
1.5%
Base rate (all other spends)
- 5.0% cashback on travel
- 1.5% on all other spends — no restrictions
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹5,000
Milestone bonus value
- 24x7 lifestyle and travel concierge
- Bonus cashback voucher on ₹8L annual spend
AU Zenith earns 5% cashback on travel and international spends — Rohit's ₹15,000/month travel bookings return ₹9,000/year. Add 16 lounge visits per year, concierge, and a 2% forex markup that puts it among the better international cards at the premium tier. The ₹7,999 fee is waived at ₹8L annual spend — doable for the card's target segment.
Who is this for?
For AU Small Finance Bank customers spending ₹60,000–1,20,000/month who want a premium travel card without joining HDFC or ICICI. The 5% travel cashback and lounge access compete directly with ICICI Sapphiro at a comparable fee.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | cashback | 5% | — |
| International | cashback | 5% | — |
| Dining | cashback | 2% | — |
| Other | cashback | 1.50% | — |
Travel: 5% cashback on travel transactions
International: 5% cashback on international spends
Dining: 2% cashback on dining
Other: 1.5% cashback on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
4 domestic per quarter + 4 international via Priority Pass
24x7 concierge and lifestyle services
Bonus cashback voucher on ₹8L annual spend
Should you get it?
- Best for: Frequent travellers, Higher spenders
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (5% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Strong rewards that can offset the annual fee for the right spender
- Premium lifestyle perks (lounge, concierge, milestone benefits)
- Lower forex markup, friendlier for international spend
Cons
- Annual fee applies unless the spend-based waiver is met
- Higher income / eligibility bar
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
AU's merchant offers, transfer partners, and service network trail HDFC/ICICI substantially — the headline rate is competitive but the ecosystem around it is thin.
Bottomline
CardAdvisor Rating: 4.5 / 5Zenith is AU Bank's statement card and a credible Sapphiro alternative if you already bank with AU. The travel cashback is competitive. Outside an existing AU relationship, though, the big-bank ecosystems offer more redemption depth for the same fee.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the AU Zenith Credit Card are taken from AU's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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Lower annual fee, similar tier
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