AU Small Finance Bank Zenith Credit Card — Rewards, Fees & Value
AU Small Finance Bank · visa · premium
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Key benefits
- 20 pts/₹100 on dining at standalone restaurants (cap 5,000 pts/statement cycle)
- 10 pts/₹100 on international, grocery, departmental stores
- 5 pts/₹100 on other eligible spends
- 1,000 bonus pts on ₹50,000/month milestone
- Unlimited domestic lounge access (8 visits/quarter w.e.f Jan 2026)
- 4 international lounge visits/year
Calculate your exact points value, or let the Card Finder check whether the Zenith belongs in your stack.
FAQs
The AU Small Finance Bank Zenith Credit Card earns up to 5% effective value on dining & food delivery and 2.5% on online shopping. Its base rate is about 1.3%.
The Zenith has an annual fee of ₹7,999, waived on annual spends of ₹5,00,000 or more.
On the Zenith, one point is worth up to about ₹0.25 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with AU Small Finance Bank.