cards / credit / au small finance bank / au-zenith-credit-card
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§ BENEFITS
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
Unlimited visits
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Priority Pass
Unlimited visits
5 Reward Points per ₹100
Earn 5 reward points on every ₹100 spent across all categories
5 RP/₹100
24/7 Concierge Service
Dedicated concierge desk for travel, dining, and lifestyle assistance
24/7 access
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹5,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹24,00,000
- Min monthly salary
- ₹2,00,000
- Age
- 21 – 65
- Min credit score
- 750
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹7,999
- Annual fee
- ₹7,999
- APR (monthly)
- 3.25% p.m.
- APR (annual)
- 39.00% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Plus GST
† Plus GST, waived on ₹15L annual spend
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- —
- Other bank free / month
- 3
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 2%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- —
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹300
- Networks
- All
§ LIMITS
- ATM / day
- ₹1,00,000
- POS + e-com / day
- ₹10,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹1,00,00,000
- Permanent disability
- ₹1,00,00,000
- Air accident
- ₹1,00,00,000
- Travel insurance
- ₹50,00,000
- Baggage
- ₹2,00,000
- Lost-card liability
- ₹10,00,000
- Purchase protection
- ₹5,00,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- AU Reward Points
- Earn rate
- 5 RP per ₹100 on all spends
- Point value
- ₹0.25
- Effective cashback
- 1.25%
- Min redemption
- 500 pts
- Expiry
- Valid for 3 years
§ LOUNGE
- Domestic
- Unlimited
- International
- Unlimited
- Domestic guests allowed?
- Yes
- International guests allowed?
- Yes
† value ₹2,500 per visit
† value ₹4,000 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with AU Small Finance Bank and earns no commission on applications.