Premium
AU Zenith Credit Card
AU’s premium card with lounge access in India and abroad. Rewards were cut sharply in 2026, so check the numbers before applying.
Joining fee₹7,999 + GST
Annual fee₹7,999 + GST
Fee waiverOn ₹5 lakh spend a year
Top reward5 points per ₹100 (about 1.25%)
LoungeDomestic (spend-based) + international
Forex markup3.49%
Best for: Existing AU customers who value international lounge access and spend ₹5 lakh a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Dining | 5 points per ₹100 (about 1.25%) | 5,000 points a cycle |
| Groceries and international spends | 5 points per ₹100 | – |
| Other spends | 3 points per ₹100 (about 0.75%) | – |
| Insurance and utility bills | 1 point per ₹100 | 100 points a transaction for bills |
| Rent, education, government, fuel, transport, EMI | Nothing | – |
- 1 point = ₹0.25.
Benefits
Welcome benefit
- No welcome benefit stated.
Milestones
- 1,000 points each cycle you spend ₹50,000.
- 2,500 bonus points on your birthday transaction.
Travel and lounges
- 2 domestic lounge visits a quarter, with ₹50,000 spend in the previous quarter.
- 2 international lounge visits a quarter with Priority Pass.
Fuel and forex
- Forex markup 3.49% (from 1 Oct 2026; it was 1.99%).
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹100 a cycle.
Other perks
- 24×7 concierge
Fees and charges
| Joining fee | ₹7,999 + GST (₹9,439) |
|---|---|
| Annual fee | ₹7,999 + GST, waived on ₹5 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.49% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60
- Self-employed: age 25 to 65
- Income: check with AU Bank
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- International lounge access
- Fee waived at ₹5 lakh
- Concierge service
Watch out for
- Reward rates cut heavily in January 2026
- Forex markup raised to 3.49%
- Quarterly vouchers and Taj Epicure removed
Recent changes
- 1 Oct 2026Forex markup raised to 3.49%; fuel waiver capped at ₹100 a cycle.
- 1 Jan 2026Reward rates cut; quarterly voucher and Taj Epicure withdrawn.
Frequently asked questions
Is AU Zenith still worth it in 2026?
Much less than before. Rewards fell to about 0.75% to 1.25% and the forex markup rose to 3.49%. Its main value now is lounge access.
Ready to apply for the AU Zenith Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.