Unlocking Luxury: Exploring the AU Bank Zenith Credit Card Premium Features and Market Standing

AU Bank introduces the Zenith Credit Card, a premium offering with an annual membership fee of Rs. 7,999. This sophisticated card is curated to deliver a suite of top-tier privileges synonymous with premium credit experiences. Boasting attractive milestone benefits, complimentary access to both domestic and international lounges, extensive insurance coverage, reduced foreign currency markup, and an array of other premium advantages.


In terms of reward rates, the AU Bank Zenith Credit Card stands out with a commendable 1.25% reward rate on regular expenditures. Additionally, it offers an accelerated reward rate for dining at standalone restaurants (4X), grocery and departmental store transactions (2X), and international spending (2X). Explore the unparalleled features of the Zenith Card from AU Bank.


 

Rewards and Benefits


  • Annual Membership Fee:

    • The card comes with an annual membership fee of Rs. 7,999.

  • Best-in-Class Privileges:

    • Packed with a plethora of best-in-class privileges that align with the expectations of premium credit card users.

  • Milestone Benefits:

    • Attractive milestone benefits that add significant value to the cardholder's experience.

  • Complimentary Lounge Access:

    • Offers complimentary access to both domestic and international airport lounges, enhancing the travel experience for cardholders.

  • Comprehensive Insurance Cover:

    • It provides comprehensive insurance coverage, offering financial protection in various scenarios.

  • Lower Foreign Currency Markup:

    • Features a lower foreign currency markup, making it an advantageous choice for international transactions.

  • Reward Rates:

    • Decent reward rate of 1.25% on regular spending.

    • Accelerated reward rates on specific categories:

      • 4X on dining at standalone restaurants.

      • 2X on grocery and departmental store spending.

      • 2X on international transactions.

  • Premium Benefits:

    • The card offers a range of premium benefits that cater to the lifestyle and preferences of high-end cardholders.




Features

Welcome Benefits:


- Receive shopping vouchers worth Rs. 1,000 from top labels upon making the first POS transaction within 60 days of card issuance.

- Earn 10,000 Bonus Reward Points (RPs) by spending Rs. 1 lakh within the first sixty days of card activation.


AU Bank Zenith Credit Card Rewards:


- 20 Reward Points for every Rs. 100 spent on dining at standalone restaurants.

- 10 Reward Points for every Rs. 100 spent on international purchases, departmental, and grocery store transactions.

- 5 Reward Points for every Rs. 100 spent on all other online and offline retail transactions (excluding fuel purchases).

- No Reward Points are earned for fuel purchases.


Reward Redemption:


- Redeem earned reward points on the AU Rewardz portal for:

  - E-vouchers from top brands

  - Mobile/DTH recharges

  - Merchandise

  - Flight/hotel bookings

- 1 Reward Point equals Rs. 0.25.


Milestone Benefits:


- Obtain shopping vouchers worth Rs. 1,000 from top brands on quarterly retail spends of Rs. 2 lakh.

- Enjoy a complimentary Taj Epicure membership with retail spends of Rs. 8 lakh in a year.


AU Bank Zenith Credit Card Annual Fee Waiver:


- Get a joining fee waiver by spending Rs. 1.25 lakh within 90 days after activation.

- Achieve an annual fee waiver by spending Rs. 5 lakh in the previous year.


Birthday Benefit:


- Receive 2,500 Bonus Reward Points upon making one successful retail purchase on your birthday.


Conclusion


Despite its annual membership fee of Rs. 7,999, the AU Bank Zenith Credit Card offers a suite of premium benefits that justify the cost. These perks include complimentary access to domestic and international airport and railway lounges, a dedicated concierge service, and a competitive foreign currency markup fee of 1.99%. It's worth noting that the card lacks complimentary golf or movie benefits. In comparison to similar cards in the market, such as HDFC Infinia, ICICI Emerald, SBI Aurum, and Axis Bank Magnus, the Zenith Credit Card presents a compelling option with comparable features and a slightly lower membership fee. If you have experiences or insights as an existing cardholder, feel free to share your thoughts in the comments below.


Location: India

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