AU Bank Zenith Credit Card

AU Bank Zenith Credit Card Image

Card Intro

Welcome Benefits

The AU Bank Zenith Credit Card does not offer any welcome benefits; instead, you can get more reward points, milestone benefits, fuel surcharge waiver up to Rs. 1000 per statement and reduced forex charges.

Interest Free Period

18 to 48 Days

Payment Gateway

Visa

Card Fees

Joining Fee(once)

Rs. 7999 - Joining fee waived off on reaching retail transactions of Rs. 1,25,000 or more within the first 90 days of card issuance.

Annual Fee(2nd year onwards once)

Rs. 7999

Add-on Card Fee

Nil

Annual Fee Waive off

Annual spends greater than Rs. 5,00,000

Card Features, Rewards and Benefits

Cashback

Nil

Rewards

20 Reward Points per Rs. 100 on Dining at standalone Restaurants.
10 Reward Points per Rs. 100 on International transactions, Grocery and Departmental stores spends.
5 Reward Points per Rs. 100 on all other spends.
And 1 Reward Point per Rs. 100 on Insurance and Utility & Telecom spends, except Cash, Rent, Education & Government, EMI, Fuel, Bharat Bill Payment System (BBPS) and Quasi Cash transactions like Crypto Currency or Casino chips, etc

Birthday Benefit: 2500 Bonus Reward Points on completing one retail transaction on cardholder’s birthday.

Milestone Benefits

Quarterly Milestone Benefits – Rs. 1000 vouchers of top brands on achieving Quarterly spends of minimum Rs. 2 lakhs.
Annual fee reversed on spending Rs. 5 lakhs.
Yearly Milestone Benefits – Complimentary (Taj) Epicure Membership from The Indian Hotels Company Limited on achieving yearly spends of minimum Rs. 8 lakhs.

Fuel Surcharge Waiver

1% for transactions between Rs. 400 to Rs. 5000
Maximum Surcharge Waiver: Up to Rs. 1000 per statement

Dining

20 Reward Points per Rs. 100 on Dining.

Movie Benefits

Nil

Lifestyle Benefits

Nil

Travel Benefits:

Reduced Forex Charges of 1.99%

Lounge Benefits

For Domestic – 8 complimentary lounge access per year, 2 every quarter.
For Domestic Railway lounges – 2 complimentary Railway lounge visits per quarter via DreamFolks.
For International Lounges – 8 complimentary lounge access per year, 2 every quarter with the Priority Pass card (Complimentary Priority Pass membership).

Hotel Benefits

Nil

Insurance Benefits

Complimentary personal Air Accident Insurance Cover of up to Rs. 2 Crore, Credit Shield Cover of up to Rs. 15 Lakhs and Purchase Protection Cover of up to Rs. 50000.

Complimentary Credit Card Fraud Liability – Zero fraud liability on any fraudulent transactions made with the card after reporting the loss to the bank. The cardholder should block their card as soon as possible, but not more than 7 days after discovering the loss.

Also Cover for Loss of check in baggage, Delay of check in baggage, Loss of travel documents, Baggage Damage.

Concierge Benefits

Dedicated Concierge Services and Priority Customer Service [email protected] for priority assistance.

Health Benefits

Nil

Card Charges

Cash Payment fees at branches

Nil – No Cash Processing Fee for Credit Card Bill Payment through Cash Deposit mode.

Cash Withdrawal Fees or Cash Advance Fees

2.5% (Min. Rs. 500) of the cash amount

Card Replacement Fees

Rs. 100 incase of Reissue of Lost, Stolen or Damaged Card

Charge slip Retrieval Fee

N/A

Cheque Payment Fee

N/A

DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)

1.99% on International transaction

Duplicate Statement Fee

Rs. 100

Emergency Card Replacement (When Abroad)

N/A

EMI Processing Fees

Instant EMI Processing Fees: Rs.199

Xpress EMI Processing Fees 1% of the amount being converted to EMI, subject to a minimum of Rs. 99.

Finance Charges

3.59% per month (43.08% per annum)

Foreign Currency Transaction fee(Forex Charges)

1.99% of the transaction value

Late Payment charges

Late Payment charges : Nil if Total Payment Due Up to Rs. 100
Rs. 100 if total payment due is between Rs. 101 – Rs. 5,00
Rs. 600 if total payment due is between Rs. 501 – Rs. 5,000
Rs. 700 if total payment due is between Rs. 5001 – Rs. 10,000
Rs. 800 if total payment due is between Rs. 10,001 – Rs. 20,000
Rs. 1100 if total payment due is between Rs. 20,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000

Outstation Cheque Fee

Rs. 25

Over Limit Fees

2.5% of the over limit amount (Min Rs. 500)

Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees

2% of the payment amount subject to Min. Rs.500

Payment of Customs duty

N/A

Priority Pass Lounge Charges

$27 per person per visit + taxes

Railway Tickets Surcharge

As prescribed by IRCTC / Indian Railways

Rental Transaction Fee

1% Processing fee per transaction or Rs. 99 whichever is higher

Reward Points Redemption Fee

Rs. 99

Any Other Charges

Xpress Loan Processing Fees: 2% of the Loan amount.

Xpress Loan Pre-closure Charges: 3% of the Balance Principal Outstanding.

Balance Transfer/BT on EMI Processing Charges: 1% of Balance Transfer amount subject to Min. Rs.250

Education Transaction Fee: 1% Processing fee per transaction or Rs. 99 whichever is higher (on third party applications like CRED, PhonePe, Paytm, MobiKwik, Freecharge etc), not applicable for transactions done directly through college/school websites or through POS machine at their premises.

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