AU Small Finance Bank Zenith

Fees

Waiver: From year 2 onwards, waived on retail spend of ₹5,00,000 or more in the preceding year. First-year fee is separately waived on retail spend of ₹1,25,000 within 90 days of card issuance. These figures (including the ₹7,999 fee itself) are carried over from the Visa Signature Zenith record and assumed to apply to this RuPay variant, but were not independently re-confirmed here — AU Bank's official fee-schedule PDF and product page were both unreadable/blocked during this record's research, and one aggregator (cardinsider.com) separately lists a differently-named 'Zenith+' RuPay product at a lower ₹4,999 fee, creating a naming/fee conflict that couldn't be resolved. Re-verify directly with AU Bank before relying on ₹7,999 for this specific RuPay card.

Rewards

Perks

• ✓Domestic lounge access: 8/yr2 visits per calendar quarter. Primary source (AU Bank's own April 2026 terms-revision PDF, published for the Zenith line generally) cites a ₹50,000 preceding-quarter spend requirement, but a secondary aggregator source states ₹20,000 for the same benefit; this discrepancy could not be resolved and should be reverified before relying on either figure. Primary cardholder only, add-on cards not eligible. Not separately confirmed for the RuPay network variant specifically.
• ✓International lounge access: 8/yr2 visits per calendar quarter via Priority Pass at 1,000+ lounges outside India. Visits beyond the complimentary quota, and any Priority Pass usage within India, are charged USD 35 per visit (raised from USD 27, effective 1 January 2025). Not separately confirmed for the RuPay network variant specifically.
• ✓Fuel surcharge waiver: 1%Capped at ₹1,000/month
• ✓Forex markup: 1.99%
• ✓Concierge service
• ✓Air accident cover: ₹2 Crore
• ✓Credit shield cover: ₹5 Lakh
• ✓Purchase protection: ₹50,000
• ✓Travel-related covers reported for baggage loss/delay, flight delay and lost passport; exact sums insured not published on aggregator sources
• ✓These figures are documented for the Visa Signature Zenith; not separately published for the RuPay variant, so assumed at parity rather than independently confirmed
• ✓UPI-linkable: as a RuPay card, it can be added to UPI apps (BHIM, Google Pay, PhonePe and others) for QR and UPI-ID payments against the card's credit limit, a capability the Visa Signature Zenith does not have
• ✓Community/aggregator reports indicate reward points accrue on UPI-routed spends at the same rate as card-swipe spends, but this is not confirmed on an official AU Bank terms document specific to Zenith RuPay
• ✓New transaction limit of ₹5,000/day applies for the first 24 hours after linking the card to a UPI app, per standard RuPay-on-UPI rules
• ✓Railway lounge access: 2 visits per quarter at select stations (reported as Delhi, Kolkata, Jaipur, Ahmedabad, Agra, Madurai) — carried over from Visa-variant reporting, not separately confirmed for RuPay
• ✓Birthday bonus: 2,500 reward points on the first retail transaction during the cardholder's birthday month
• ✓Reward redemption fee of ₹99 + GST per redemption request; 1 reward point = ₹0.25 — this fee is confirmed on AU Bank's official, network-agnostic fee schedule
• ✓Utility, telecom and insurance-category spends earn only 1 point per ₹100, well below the 3-point base rate (as reported for the Visa variant; assumed at parity)
• ✓Existing Visa Zenith cardholders cannot convert to this RuPay variant — AU Bank has stated in customer responses that Visa-to-RuPay conversion is not currently available, so this card must be applied for as a fresh issuance
• ✓No complimentary golf or movie-ticket benefits on this card
• ✓Fuel, rent, education and government transactions are commonly reported as excluded from reward-point earning; not independently confirmed against official T&Cs (carried over from the Visa-variant record, assumed at parity)
• ✓Aggregator sources report an overall reward-earning cap of roughly 25,000 points per statement cycle, not confirmed on official bank terms (carried over from the Visa-variant record, assumed at parity)