AU Zenith
AU Small Finance Bank · Checked 2026-10-09
AU Zenith is a premium card built around shopping rewards, dining rewards and travel benefits, with a ₹7,999 annual fee before GST.
CardIQ editorial view
Our take
AU Zenith is a premium card built around shopping rewards, dining rewards and travel benefits, with a ₹7,999 annual fee before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5 points per ₹100 on eligible dining, overseas, grocery and departmental-store purchases.
- Up to 2 domestic and 2 international lounge visits per quarter; domestic qualification and Priority Pass terms apply.
- 3.49% foreign-currency markup; first-year membership waiver at ₹1.25 lakh retail spend in 90 days.
Trade-offs to understand
- 3 points per ₹100 on other eligible categories; 1 on eligible insurance, utilities and telecom.
- Up to 2 domestic and 2 international lounge visits per quarter; domestic qualification and Priority Pass terms apply.
- 1,000 milestone points at ₹50,000 eligible spend per statement cycle.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 3 points per ₹100 on other eligible categories; 1 on eligible insurance, utilities and telecom.
Compare before deciding
- UCO Bank SBI Card ELITE — A lower-fee way to compare similar strengths in reward points and airport lounge access.
- Reliance SBI Card PRIME — A lower-fee way to compare similar strengths in reward points and airport lounge access.
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Benefits, limits and conditions
- 3 points per ₹100 on other eligible categories; 1 on eligible insurance, utilities and telecom.
- Up to 2 domestic and 2 international lounge visits per quarter; domestic qualification and Priority Pass terms apply.
- 1,000 milestone points at ₹50,000 eligible spend per statement cycle.
- 3.49% foreign-currency markup; first-year membership waiver at ₹1.25 lakh retail spend in 90 days.