AU Small Finance Bank offers a wide range of credit cards to its customers. A credit card is a financial instrument that allows customers to perform cashless transactions and buy beyond the purchase limit. It offers a plethora of benefits like grocery shopping, luxury travel benefits, luxury hotel membership, dining, etc. Some of the AU Small Finance Bank cards include the AU Vetta Credit Card, AU Altura Plus Credit Card, AU LIT Credit Card, AU Zenith Credit Card, and many more.
| Key Highlights of Zenith Credit Card | |
| Annual Fee* | INR 7,999 + applicable taxes |
| Welcome Benefit** |
|
| Suitable For | Travel and Rewards |
Features and Benefits of AU Zenith Credit Card
Below- mentioned are the features and benefits of the AU Zenith Credit Card:
| Particulars | Credit Card Features & Benefits |
| Welcome Benefits |
|
| Lower Mark-Up Fees on international transactions | Lower cross-currency foreign mark-up fees of 1.99% |
| Accelerated Rewards Points |
|
| Milestone benefits |
Vouchers worth INR 1,000 on retail spend of minimum INR 2 lakhs each quarter
Free Epicure membership on spends of INR 8 lakh or more in a Credit Card’s anniversary year |
| Dedicated Concierge Services | Enjoy Global Concierge Assistance (24*7) on Travel, Entertainment & Leisure |
| Complimentary Lounge Access | Airport Lounges
Railway Lounges
|
| Concierge Services | 24X7 concierge services to help you customize your travel, dinner bookings, and more.
Call 1800 210 0298 (toll-free) or 022-42320298 to avail of the service. |
| Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver for all fuel transactions done across all fuel stations in the country. |
| Air Accident Cover | Get an air accident cover of INR 2 crore with Zenith Card |
| Card Liability Cover | In case the credit card is lost, customers have zero liability for any fraudulent transactions made with the card after reporting the loss to the bank. With Zenith Credit Card, you also get protection against Card counterfeit/skimming and online fraud. |
| Travel Insurance | In the event of baggage loss, delay in the flight, baggage delay, loss of passport, or plane hijack, you get insurance coverage. To know more about travel insurance, you can call customer care number 180012001500. |
Eligibility Criteria
Mentioned below are the eligibility criteria to apply for an AU Zenith Credit Card:
- The minimum age of an applicant should be 21 years.
- The maximum age of an applicant should be 60 years.
- The minimum age for the Add-on cardholder is 18 years.
- An applicant must be an Indian Resident.
- Also, the AU Small Finance Bank holds the exclusive right to either accept or reject the application.
Fees & Charges
Before hitting the AU Credit Card Apply button, an applicant must be aware of the fees and charges of the card to be applied. Mentioned below are the fees and charges of AU Zenith Credit Card:
| Type of fee/charge | Charges |
| Joining/Annual Membership fee per annum (excluding GST) | INR 7,999 |
| Cash Advance Charges | 2.5% of the amount withdrawn, subject to a minimum of INR 100 |
| Fuel Transaction Surcharge | Fuel Transaction Surcharge: 1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum INR 1,000 per statement cycle). |
| Charges on Revolving Credit | 1.99% every month |
| Over limit Charges | 2.5% of the over-limit amount, subject to a minimum of INR 500 |
| Minimum Amount Due | 5% of the total amount due or a minimum of INR 100 |
| Outstation Cheque Processing Charges | INR 25 |
| EMI Conversion Charges | 1% of the amount being converted to EMI, subject to a minimum of INR 99 |
| Late Payment Charges | Ranges from INR 100 to INR 1,100 basis Credit Card bill amount. |
How to Apply for an AU Zenith Credit Card?
Mentioned below are some easy steps to apply for an Au Zenith Credit Card:
- Visit the official website of AU Small Finance Bank.
- Under the “Banking” section, click on “Credit Cards”.
- Look for “AU Zenith Credit Card” from the list of AU Bank Cards.
- Now Click on “Apply Now”.
- Enter basic details like name, mobile number, email id, etc.
- Provide some documents like address proof, income proof, and income proof, etc.
- Review the application.
- Click on “Submit”.
Documents Required
Mentioned below is the list of documents required to apply for an AU Zenith Credit Card:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement |
How to activate an AU Credit Card?
AU Credit Card activation is a smooth and easy process. Mentioned below are the steps to activate the cards of AU Small Finance Bank:
- Visit aubank.in >> Cards
- Select Credit Cards
- Move to Credit Card Services on the Credit Card page
- Go on Activate Credit Card and click on “Click Here”
- Enter Credit Card Number
- Authenticate by entering the OTP.
- And follow the process further.
Why choose AU Zenith Credit Card by AU Small Finance Bank?
AU Zenith Credit Card is an ideal companion if one is looking for the best travel Credit Card that adds a touch of luxury to one’s lifestyle needs.
