All about AU Zenith Credit Card

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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**	Vouchers worth INR 1000 on 1st POS retail transaction 10,000 Bonus Reward Points on completing retail spends worth INR 1 Lakh
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	Get vouchers worth INR 1,000 on the first POS retail transaction. Earn 10,000 reward points as a bonus when your retail spends* reach INR 1 lakh.
Lower Mark-Up Fees on international transactions	Lower cross-currency foreign mark-up fees of 1.99%
Accelerated Rewards Points	20 Reward Points per INR 100 retail spending done on Dining at standalone restaurants. 10 Reward Points per INR 100 retail spending done on international transactions, Grocery, and Departmental stores. 5 Reward Points per INR 100 retail spends done across all other merchant categories.
Milestone benefits	Quarterly milestones Vouchers worth INR 1,000 on retail spend of minimum INR 2 lakhs each quarter Yearly Milestones: 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 4 complimentary lounge access per calendar quarter within India, using your VISA Card. 2 complimentary lounge access per calendar quarter, using Priority Pass at all participating lounges outside India. Railway Lounges 2 complimentary lounge access per calendar quarter, using a VISA Card at railway stations
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