Cards / AU Small Finance

AU Small FinanceZenithVisa / RuPay

Zenith Credit Card

AU Small Finance Bank · Premium

Reviewed by Chandan Kumar Dash

5 reward points per ₹100 on standalone dining, international and grocery; 3 per ₹100 on other categories; 1 per ₹100 on insurance, utility and telecom.

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Joining fee

Free

Annual fee

₹7,999

Waiver spend

₹5,00,000

Forex markup

3.49%

Fee waiver

Spend ₹5,00,000 in a card year and the next annual fee is waived.

That is about ₹41,667 a month.

Work out what you still need to spend

Recent changes

• 30 September 2026Worse for you

  The foreign currency markup is 3.49%, under the schedule of charges dated 30 September 2026.

  Source

• 30 September 2026Worse for you

  The fuel surcharge waiver is capped at Rs 100 a statement month, under the schedule of charges dated 30 September 2026.

  Source

• 1 January 2026Worse for you

  Dining rewards fall from 20 to 5 points, base from 5 to 3, international and grocery from 10 to 5, and the quarterly voucher and Taj Epicure milestones end.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 5 points per ₹100 at standalone restaurants (max 5,000 points a cycle)
• 5 points per ₹100 on international, grocery and department stores
• 1 point per ₹100 on insurance, utility and telecom (max 100 points a transaction)
• 3 points per ₹100 on other spends

No rewards on education, fuel, rent.

Airport lounges

• Domestic: 2 visits a quarter
• International: 2 visits a quarter

Domestic access needs ₹50,000 spend in the preceding quarter; international via Priority Pass

Points

Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.

Work out what your points are worth

Who can apply

• Age 21 to 65

Resident Indian. Salaried 21 to 60 years; self-employed 25 to 65 years

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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