AU Bank Zenith Credit Card

Welcome to our guide on the AU Bank Zenith Credit Card. In this detailed review, we’ll delve into the world of this remarkable credit card, exploring its key features, benefits, and application process. Whether you’re a seasoned cardholder or a newcomer to credit cards, we’ve got you covered. Let’s embark on a journey to uncover the advantages and opportunities that the AU Bank Zenith Credit Card can offer you.

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AU Bank Zenith Credit Card

Key Highlights of AU Bank Zenith Credit Card

Annual card membership feeRs. 7,999 + applicable taxes
EMI conversion facilityAvailable on transactions above Rs. 2,000
Suitable forRewards and dining
Age21 to 60 years

Features and Benefits of AU Bank Zenith Credit Card

First Time Card Holder Offers:

    • Get vouchers worth INR 1000 on your first retail transaction. Choose from top brands.
    • Earn 10,000 Bonus Reward Points on spending INR 1 Lakh on retail purchases, excluding fuel and cash withdrawals.

These benefits are available for transactions within 60 days of getting the card.

Accelerated Rewards Program:

    • Earn 20 Reward Points per INR 100 on dining at standalone restaurants.
    • Get 10 Reward Points per INR 100 on international transactions, grocery, and departmental stores.
    • Receive 5 Reward Points per INR 100 on all other merchant categories.

Fuel transactions do not earn Reward Points.

Milestone Benefits:

Quarterly Milestone: Get INR 1,000 vouchers on spending a minimum of INR 2 lakhs per calendar quarter.
Yearly Milestone: Enjoy a complimentary Epicure Membership on spending a minimum of INR 8 lakhs in a card anniversary year.

Lower International Mark-Up Fees:

Pay only 1.99% cross currency foreign mark-up fees on international transactions.

Birthday Benefit:

Earn 2,500 Bonus Reward Points by making a retail transaction on your birthday.

Railway Lounges:

Access 2 complimentary lounges per calendar quarter at railway stations using your VISA Card.

Fuel Surcharge Waiver:

Enjoy a 1% fuel surcharge waiver on all fuel stations in India, up to INR 1,000 per statement cycle.

AU Rewardz:

Redeem your Reward Points for various options, including e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings, and more.

Comprehensive Protection Cover:

Air Accident Cover: INR 2 Crore.
Card Liability Cover: Zero liability on fraudulent transactions after reporting the loss.
Credit Shield: Up to INR 15 Lakhs.
Purchase Protection: Up to INR 50,000.
Other Travel Related Covers: Baggage loss, baggage delay, flight delay, loss of passport, and plane hijack.

Contactless Card Usage:

Make quick, secure, and easy payments by tapping the card for amounts up to INR 5000 at participating merchants without entering a PIN.

XpressEMI:

Convert transactions worth INR 2,000 or more into easy EMI options with flexible tenures.

AU Bank Zenith Credit Card Fees and Charges

Yearly Card Membership cost: Rs. 7,999 + taxes

  • How to get the fee waived for the first year: Spend at least Rs. 1,25,000 on shopping within 90 days of getting the card.
    How to get the fee waived from the second year onwards: Spend at least Rs. 5,00,000 on shopping during the previous year before your card anniversary.

AU Bank Zenith Credit Card Eligibility

  • Main cardholder must be aged 21 to 60 years.
  • Additional cardholders must be at least 18 years old.
  • All cardholders should be Indian residents.

Documents Required for AU Bank Zenith Credit Card

To apply for a Zenith credit card, you need these documents:
Address proof: Passport, Aadhaar Card, Utility Bills, Voter ID, Ration Card, etc.
Identity proof: Passport, Aadhaar Card, Driving License, etc.
Income proof: Form 16, Income Tax Returns, and recent Salary Slips.

How to apply for AU Bank Zenith Credit Card?

  1. Go to the AU Small Finance Bank website.
  2. Look for the ‘Cards’ section and click on ‘Credit Cards.’
  3. Find and click on the option for the ‘Zenith Credit Card.’
  4. Click on the ‘Apply Now’ button.
  5. Fill out the application form online.
  6. After you submit the form, a representative from AU Bank will call you to verify the information and continue with your application.

Frequently Asked Questions (FAQs) -

The AU Bank Zenith Credit Card is a premium credit card offered by AU Small Finance Bank. It is designed to provide a range of exclusive benefits, rewards, and privileges to enhance your lifestyle and financial experience.

You can apply for the AU Bank Zenith Credit Card through the official AU Small Finance Bank website or by visiting a nearby AU Bank branch. The application process typically involves filling out an online form, submitting necessary documents, and meeting the eligibility criteria set by the bank.

Eligibility criteria may vary, but generally include factors such as age, income, credit score, and residency status. AU Bank will provide specific details about the eligibility criteria during the application process.

The AU Bank Zenith Credit Card comes with features such as rewards program, airport lounge access, insurance coverage, exclusive discounts, and more. The specific features may vary, and details can be obtained from the bank’s official website or customer service.

The rewards program allows cardholders to earn points on eligible transactions, which can be redeemed for various benefits such as travel vouchers, merchandise, and more. The details of the rewards program, including earning and redemption options, will be provided in the card’s terms and conditions.

The credit limit is determined based on various factors, including your creditworthiness, income, and existing financial obligations. AU Bank will communicate your approved credit limit once your application is processed.

You can check your credit card balance and transactions through the AU Bank mobile app, internet banking, or by contacting the bank’s customer service. Monthly statements are also provided to keep you informed about your spending and payments.

Details about annual fees, as well as other charges such as interest rates and late payment fees, will be outlined in the terms and conditions provided by AU Bank. It’s essential to review these terms before applying for the card.

Many credit cards offer the option to get supplementary cards for family members. Check with AU Bank to confirm whether this option is available for the AU Bank Zenith Credit Card and understand any associated conditions.

You can contact AU Bank’s customer support through the provided helpline number or by visiting the nearest AU Bank branch. Additionally, you may find contact details on the official website for inquiries and support related to your credit card.