AU Small Finance Bank Zenith Credit Card
Last Updated : July 15, 2022, 11:03 a.m.
AU Small Finance Bank has a lot of customers and it offers various services to them. This bank has come up with a new service in the form of a credit card. The name of the card is AU Small Finance Bank Zenith Credit Card. This is a premium card that has a lot of offers and benefits. You can use this card to enjoy traveling and live a luxurious life. On the other hand, there are luxury hotel membership and other exclusive features available on the card. The international mark-up fee is also low that can help you to enjoy foreign tours. Therefore you must throw some light on this card because it has reward point offers, milestone benefits, and many such features.
Features and Benefits of AU Small Finance Zenith Credit Card
You must go through the features and benefits of this card and see which feature would be useful to you. This card has a bunch of offers and enables luxurious spending.
Welcome Benefits
- Get a welcome gift voucher worth ₹1000 on the first POS transaction and you can choose the voucher from the top brands.
- Enjoy the Zomato Pro Annual membership on a successful retail transaction.
- Get 10000 Bonus Reward Points on completing retail spend of ₹100000 within 60 days from the date of card issuance.
- All of the above offers are only applicable if you spend ₹1 Lac within 60 days from the card issuance date.
Reward Point Benefits
- Get 20 Reward Points on every ₹100 spend on Dining at standalone restaurants.
- Earn 10 Reward Points per ₹100 spent at Grocery Stores, Departmental Stores, and internationally.
- Get 2500 Bonus Reward Points on doing one retail transaction on your birthday.
- Get 5 Reward Points on every ₹100 spent on all other categories.
- No reward points will be awarded on the fuel transactions.
Zenith Card Reward Points Redemption
You can redeem the earned reward points from the above transactions through the following ways:-
- Buying E-Vouchers of Top Brands
- Buying Merchandise
- Mobile and DTH Recharges
- Booking Flight, Hotels, and many other things
Milestone Offers
- Earn vouchers of top brands worth ₹1000 on reaching the spending milestone of ₹2 Lacs per quarter.
- Get a Complimentary Epicure Membership on spending ₹8 Lacs in a year.
Airport Lounge Access
- Get a Complimentary Epicure Membership on spending ₹8 Lacs in a year.
- Get 2 Complimentary Access per calendar quarter under the Priority Pass Program.
- Enjoy 4 Access to the Airport Lounges per quarter in India using your VISA card.
Railway Lounge Access
- Get 2 complimentary visits per quarter to the Railway Lounges using the VISA card.
- The railway stations of New Delhi, Kolkata (Sealdah), Agra, Madurai, Jaipur, and Ahmedabad are allowed for free access.
- The add-on cardholders of the AU Small Finance Bank Zenith Credit Card can also enjoy this benefit but the number of access will be counted under the primary cardholder.
Services Offers in the Railway Lounge
- Entry and Stay of 2 Hours
- Comfortable Sitting Arrangements with Air Conditioner
- Free Tea and Coffee
- Free Wi-Fi
- Newspaper and Magazines
- 1 Buffer Meal at the time of the visit and it can be Breakfast, Lunch, and Dinner.
List of Lounges
| City | Address |
|---|---|
| New Delhi | Platform No. 16, New Station Building, Ajmeri Gate side, New Delhi Railway Station, New Delhi, 110006 |
| Kolkata (Sealdah) | First Floor, Near Enquiry office, Sealdah Railway Station, Kolkata - 700014 |
| Agra | Platform no. 1 at Agra Cantt, Near Second Class Waiting Room, Agra, Uttar Pradesh 282001 |
| Madurai | Madurai Railway Junction, Railway Junction Road, Madurai Main, Madurai, Tamil Nadu 625001 |
| Jaipur | Platform no. 1, Near 1st Class Waiting Room at Jaipur Jn Railway Station, Rajasthan 303702 |
| Ahmedabad | Platform No-1, Ahmedabad Railway Station, Gujarat, 380002 |
Credit Card Cover
- Get an Air Accident Cover of ₹2 Crore.
- You carry zero liability for any transaction made through a card if it is lost and the loss is reported.
- It is safe to make online transactions from this credit card .
- Enjoy a credit shield of up to ₹5 Lacs on the Zenith Credit Card.
- There is purchase protection of ₹50000 on this card.
Other Benefits of the Card
- This card has a low cross-currency foreign markup fee of just 1.99%.
- You can customize your entertainment, leisure, and travel experience with Global Concierge Assistance.
- Get an unlimited fuel surcharge waiver of 1% at all the refilling stations present across the country.
- Make contactless payments from the AU Bank Credit Card without entering a PIN for up to ₹5000.
- Convert the transactions of ₹2000 and above into EMIs through the XpressEMI facility.
Fees and Other Charges of AU Small Finance Bank Zenith Credit Card
| Particulars | Charges |
|---|---|
| Annual Card Membership Fee | ₹7999 + Applicable Taxes |
| Annual Card Fee Waiver for the 1st Year | Spend ₹125000 within 90 days from the date of card issuance |
| Annual Card Fee Waiver for the 2nd Year | Spend ₹500000 in the previous Card Anniversary Year |
| Charges on Revolving Credit | 1.99% per month or 23.88% per annum |
| Overlimit Charges | 2.5% of the over-limit with a minimum of ₹500 |
| Late Payment Charges | - NIL for Outstanding Less than ₹100 - 100 for Outstanding between ₹100 to ₹500. - ₹400 for Outstanding between ₹501 to ₹5000. - ₹500 for Outstanding between ₹5001 to ₹20000. - ₹700 for outstanding more than ₹20000 |
| Rewards Redemption Fee | NIL |
| Interest-Free Period | Up to 50 Days but not applicable for cash withdrawals. |
Eligibility Criteria for the Card
- 21 years must be the minimum age of the Primary Cardholder.
- 60 Years must be the maximum age of the Primary Cardholder.
- The minimum age for the Add-on Cardholder is 18 Years.
- The individual must be a resident of India.
- AU Small Finance Bank holds the right to accept or decline the application.
Zenith Credit Card Limit
There is no fixed credit limit for this credit card and it wholly depends on your Cibil Score and monthly income. If you have a high Cibil Score that is 750 and above then you will get a high limit for your card. On the other hand, you should have a stable and high income to get a high credit limit on the AU Small Finance Bank Zenith Credit Card.
How to Apply for AU Small Finance Bank Zenith Credit Card
You can apply for this card by filling up the form given above in this article. You will just have to provide your basic details and the bank’s representative will get in touch with you. After fulfilling the eligibility criteria the bank will issue this credit card to you.