AU Zenith Credit Card
Travel
Dining
Reward Points
1st Year Fee: ₹7,999* Plus Applicable Taxes
Rewards
Up to 20 reward points for every Rs. 100
International Use
Low forex mark-up fee of 1.99%
Lounge Access
Up to 16 free airport lounge visits per year
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About AU Zenith Credit Card
The AU Zenith Credit Card is a premium card that offers multiple benefits across travel and shopping. Amongst all the benefits, the card stands out due to its reward-earning rate. It offers up to 20 rewards for every Rs. 100 spent, with a per-reward value of Rs. 0.25. In a way, the high reward earning rate on the card compensates for its low redemption value, keeping the value back higher than the bank’s other similar variant, Zenith+, which offers 2 rewards per Rs. 100 with a 1:1 redemption. Surprisingly, even with a low redemption value, Zenith surpasses the value back with a decent margin.
Here is an example of the same:
Let’s assume a credit card user spends Rs. 5,000 on dining in a month. While Zenith+ earns 100 reward points with a value back worth Rs. 100, the Zenith card gets 1,000 reward points, with a value back worth Rs. 250.
That way it is safe to say that, Zenith outshines Zenith+ with a high reward rate of up to 5% (2.5% on international transactions and grocery and departmental stores) in comparison to 2% on accelerated categories and a base rate of 1.5% in comparison to 1%.
AU Zenith is clearly a better option for card users seeking better benefits in terms of rewards earned. But considering the overall lifestyle benefits, Zenith+ is better for card users looking for extended travel and lifestyle benefits, such as a lower forex markup fee of 0.99% compared to 1.99%, higher frequency of lounge access, and movie benefits.
Before making a decision, understand that apart from dining, the difference in reward rate on all categories is just marginal at 0.5%. So, in a way, you need to evaluate if the additional benefits of Zenith+ compensate well based on your spending types.
When looked upon without its link to its identical variant, AU Zenith is comparable with cards like HDFC Regalia Gold, SBI Card Elite, etc., that also offer a high reward rate with a similar forex markup fee but at a comparatively lower fee of Rs. 2,500 and Rs. 4,999, etc.
Also Check: Best Premium Credit Cards
Rewards Structure:
- 20 reward points for every Rs. 100 spent at dining at standalone restaurants.
- 10 reward points for every Rs. 100 spent at international transactions, grocery and departmental stores.
- 5 reward points for every Rs. 100 spent at other merchant categories.
- 1 reward point for every Rs. 100 spent on Insurance, Utility & Telecom categories.
- 2,500 bonus reward points on completing one retail transaction on your birthday.
- Per reward value = Rs. 0.25
- Reward redemption options E-vouchers of top brands, Merchandise, Mobile/DTH recharges and Flight/Hotel bookings and much more
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Other Features & Benefits:
- Quarterly milestone benefits: Vouchers worth Rs. 1,000 from top brands on minimum retail spends of Rs. 2 Lakh in a calendar quarter.
- Yearly milestone benefits: Complimentary Epicure Membership on minimum retail spends of Rs. 8 lakh in an anniversary year.
- Forex Markup: Low forex mark-up fees of 1.99% on international transactions.
- Airport Lounge Access: 2 domestic lounge access per quarter within India on spending Rs. 20,000 in the previous quarter and and 2 international lounge access per quarter at Priority Pass lounges.
- Railway Lounge Access: 2 lounge access per calendar quarter at railway stations for primary and add-on cardholders.
- 24 X 7 number at 1800 210 0298 (toll free) or 022-42320298 global concierge assistance.
- 1% fuel surcharge waiver for fuel transactions up to Rs. 1,000 per statement cycle
Also Check: Best Credit Cards in India
AU Zenith Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 7,999 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 7,999 + Applicable Taxes | ||||||||||||||||
| Late Payment Fees |
|
Things to Know Before you apply
Get this card if:
You frequently spend on dining at standalone restaurants.
You want a high reward rate credit card for your everyday spends.
You can spend up to Rs. 2 Lakh each quarter to maximize the bonus milestone benefits.
You are willing to pay a high annual fee of Rs. 7,999.
Other Similar Credit Cards:
HDFC Bank Regalia Gold
Axis Bank Select
SBI Card Elite
Paisabazaar Review
What do we like about this card?
Despite a low redemption value per reward point, the card offers a high reward rate of 5% on dining spends, 2.5% on international transactions, grocery, and departmental stores, and 1.5% on other spends. Additionally, frequent travelers can derive more benefits through complimentary airport and railway lounge access, low forex markup fees, and concierge service. Beyond these, card users, especially those who put maximum spends on the card, can benefit more with not just annual but quarterly milestone benefits as well.
Pros
- Accelerated return on dining and grocery shopping without brand restrictions
- High reward earning rate
- Low forex markup fee
- Railway lounge access benefits extended to add-on members
- Quarterly and annual milestone benefits
Cons
- High annual fee
- Limited benefits to other lifestyle categories
- Low redemption value
Frequently Asked Questions
Everything you need to know about this credit card
You can get the fee of Rs. 7,999 waived off on annual spends of Rs. 5 Lakh from the second year onwards. In the first year, it is waived on spending Rs. 1.25 Lakh on retail spends within 90 days of card setup.
Yes, a reward redemption fee of Rs. 99 is levied on each successful redemption
The general age eligibility requirements to avail the AU Zenith Credit Card are 25 to 65 years for self-employed and 21 to 60 years for salaried employees. In addition to this, the issuer considers your monthly income, credit score, and credit profile.
The Epicure membership offers discounts on F&B, dining orders via the Qmin app and on spa treatments at Jiva Spas across hotels. Additionally, you get discount vouchers for rooms/suites bookings at participating hotels.
With the concierge service on your Zenith Credit Card, you can customize your travel, entertainment, and leisure experiences with services like travel bookings, golf sessions, or event planning. For more information, you can call at 1800-210-0298 (toll-free) or 022-42320298.
Footnotes
- Capping of 5,000 reward points in a statement cycle on dining spends.
- Exclusions from rewards program: Cash, rent, education & govt, EMI, fuel, BBPS, and quasi-cash transactions.
- Capping of 100 reward points per transaction on utility & telecom spends.
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