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AU Small Finance Bank
AU Bank Zenith Credit Card
Visa
AU Bank Zenith Credit Card
AU Bank's flagship premium card, pairing an uncapped 5% travel multiplier with quarterly domestic and yearly international lounge access — a reasonable step up for AU's existing customer base.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,999
Joining fee
₹1,999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Reward rates by category
- Travel5%
- Dining4% (capped ₹1,500/monthly)
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹80,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 4 complimentary domestic lounge visits per quarter and 2 international visits per year
- Air accident and purchase protection cover
- Bonus reward points on crossing ₹3L annual spend
Pros
- + Strong uncapped travel reward rate
- + Domestic + international lounge access
- + Low 2% forex markup
Cons
- − High income eligibility bar
- − ₹2,000 fee only waived above ₹3L annual spend
Applying takes you to AU Small Finance Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.