AU Small Finance BankPlatinum

AU Zenith Credit Card

•••• •••• •••• 4242

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Quick facts

AU Zenith Credit Card

Top reward3X

Annual fee₹7,999

Min income₹75,000/mo

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🛋️Lounge & Premium

AU Small Finance Bank · Platinum tier

AU Zenith Credit Card

AU premium travel

Premium metal-tier benefits from AU Bank.

Key Benefits

💳

Unlimited lounge access

🎁

Low forex markup

⛽

Concierge

Annual fee

₹7,999

Top rate

Min income

₹75,000/mo

Eff. return

-1.28%

Realistic net value (moderate user): -₹6,157/year

After ₹7,999 fee & ₹358 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

We earn commission if approved — at no cost to you. Zero sales calls.

Our transparency promise

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹2,200

Before fees & forex

Costs / year

₹8,357

Fee ₹7,999 + forex ₹358

Net value / year

-₹6,157

-1.28% effective return on spend

Category-wise breakdown

Travel & flights

Spend ₹5,000/mo · 3 pts per ₹150 spend

₹600/year

₹50/mo

100 pts × ₹0.50 = ₹50/mo100 pts/mo @ ₹0.50/pt

All other eligible spends

Spend ₹40,000/mo · 1 pts per ₹150 spend

₹1,600/year

₹133.33/mo

267 pts × ₹0.50 = ₹133.33/mo267 pts/mo @ ₹0.50/pt

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Points → INR Conversion Guide

Marketing says "10X points" — here's what that actually means in your pocket.

travel — 3 pts per ₹150 spend

You spend

₹10,000

→

You earn

200 pts

Worth ≈

₹100

@ ₹0.50/point

all — 1 pts per ₹150 spend

You spend

₹10,000

→

You earn

67 pts

Worth ≈

₹33.33

@ ₹0.50/point

Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.50/pt in calculations.

🛋️Lounge & Premium

Airport lounge, golf, concierge perks

Reward Structure

Source: Issuer public T&Cs

travel

all

Excluded categories (no rewards)

EMIRentWallet loads

Best for

→ AU premium travel

Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Charged in first year

₹7,999

Annual / renewal fee

Charged every year unless waived

₹7,999

Forex markup

1.99% on international transactions

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹2,200

Annual fee− ₹7,999

Forex cost− ₹358

Net annual value-₹6,157

Eligibility Snapshot

Public criteria from Issuer public T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹75,000/mo

Min income (self-employed)₹9,00,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierPlatinum — premium benefits tier

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with AU Zenith Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹2,200/year. After the ₹7,999 annual fee, net value is approximately -₹6,157/year. Use the calculator above to model your own spends.

What is the minimum income for AU Zenith Credit Card?+

₹75,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Rent, Wallet loads.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.