AU Small Finance Bank
WorldElite · Zenith
AU Zenith Credit Card
AU Small Finance Bank
Super-premium Visa World Elite with unlimited lounge access and high rewards
Annual Fee
₹7,999
Joining Fee
₹7,999
Reward Rate
1.3%
Forex Markup
2%
Value Analysis
Annual Net Value
₹2,40,561
Total Annual Benefits
₹2,50,000
Total Annual Charges
₹9,439
ROI
2650%
Fee Waiver Available
Annual fee waived on spending ₹15 Lakh in a membership year — ₹15,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
- • Access via Visa World Elite lounge program
Unlimited visits
₹1,25,000/yr
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
- • Priority Pass membership included
Unlimited visits
₹80,000/yr
Reward Points (1)
5 Reward Points per ₹100
Earn 5 reward points on every ₹100 spent across all categories
- • Excluded: fuel, rent, wallet loads
5 RP/₹100
Concierge Services (1)
24/7 Concierge Service
Dedicated concierge desk for travel, dining, and lifestyle assistance
24/7 access
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹5,000
- • Valid on transactions ₹500–₹5,000
- • Max ₹300 per statement cycle
1% waiver
₹3,600/yr
Reward Program
Program
AU Reward Points
5 RP per ₹100 on all spends
Effective cashback: 1.25%
Points expire: Valid for 3 years
Redemption Options
- → Products & Vouchers via AU Rewards Portal
- → Flights & Hotels
- → Cashback (1 RP = ₹0.25)
- → Statement credit
Milestone Bonuses
Annual fee waiver on spending ₹15 Lakh in a year
Spend ₹15,00,000 annual
Annual fee waiver
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹7,999 Plus GST |
| Annual Fee | ₹7,999 Plus GST, waived on ₹15L annual spend |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.25%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹300/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹2,00,000
- Min. Annual Income
- ₹24,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹2,00,000
- • Self-Employed: ITR > ₹24 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹50 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Lost card liability: ₹10 Lakh
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,500/visit
International
999 visits/year
Unlimited
~₹4,000/visit
Dreamfolks Priority Pass
- • Unlimited domestic lounge visits
- • Unlimited international lounge visits via Priority Pass
- • Guest access available at applicable charges
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹5,000
Features
Visa World Elite privileges Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Unlimited lounge access 24/7 concierge service Comprehensive insurance coverage
EMI Options
Min. Transaction
₹3,000
Interest / Month
1.2%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The AU Zenith Credit Card is a super-premium Visa World Elite card offering 5 reward points per ₹100 spent across all categories. With unlimited domes...
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