AU Zenith Credit Card

Rewards

• Rewards rate

  5 Reward Point/₹100 Spent on Dining, International, and Grocery Spends (Reward Rate = 1.25%), and 3 Reward Points/₹100 Spent on All Other Spends Except Fuel (Reward Rate = 0.75%)

• Welcome benefits

  Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.

• Reward redemption

  1 RP = ₹0.25

Benefits

• Travel

  Complimentary Railway Lounge Access

• Domestic lounge

  2 Complimentary Lounge Access Every Quarter (8 Each Year) on Spending ₹20,000 Each Quarter

• International lounge

  8 Free International Lounge Visits

• Insurance

  Comprehensive insurance cover including lost card liability cover, Credit Shield, air accident cover, and multiple other travel-related insurance covers

Fees & charges

• Spend-based waiver

  Joining fee can be waived on spending of Rs. 1.25 lakh within 90 days of card activation, annual fee can also be waived on spending Rs. 5 lakh in the previous year

• Rewards redemption fee

  ₹99 + GST

• Foreign currency markup

  1.99% of the transaction amount

• Interest rates

  3.75% Per Month, i.e., 45% Annually

• Fuel surcharge waiver

  1% fuel surcharge waived off at all fuel pumps all over India (no max cap applicable)

• Cash advance charges

  2.5% Subject to a Minimum of ₹100

Product highlights

• 10,000 Bonus Reward Points on completing retail spends worth Rs. 1 lakh within 60 days of card setup.
• Up to 5 Reward Points per Rs. 100 spent.
• 2,500 Bonus Reward Points on completing one retail transaction on your birthday.
• Lower foreign currency markup fee of 1.99% of the transaction amount.
• Complimentary (limited) domestic/international airport and IRCTC lounge access.
• Spend-based waiver of joining and annual fee.

Pros & cons

FAQs