- What is the annual fee on the AU Small Finance Bank Zenith?
- The joining fee is ₹7,999. The annual fee is ₹7,999. 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.
- What are the reward rates on the AU Small Finance Bank Zenith?
- AU Small Finance Bank Zenith earns 5x points on dining, 5x points on groceries, 5x points on travel, 3x points on all other spends.
- Does the AU Small Finance Bank Zenith offer airport lounge access?
- Yes: 8 domestic lounge visits per year (2 visits per calendar quarter. Primary source (AU Bank's own April 2026 terms-revision PDF) 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 (the primary PDF isn't machine-readable) and should be reverified before relying on either figure. Primary cardholder only, add-on cards not eligible.) and 8 international lounge visits per year (2 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).).
- Who is eligible for the AU Small Finance Bank Zenith?
- Applicants typically need a minimum annual income of ₹10,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by AU Small Finance Bank and can vary by application.
- Is the AU Small Finance Bank Zenith available on other networks?
- Yes, it's also issued on RuPay. Assumed at the same ₹7,999 Zenith fee tier as the Visa Signature card, matching that record's own figure, though AU Bank's official fee-schedule PDF and product page were both unreadable/blocked when this record was researched, so the figure could not be freshly re-confirmed (see the fees caveat below for a naming-conflict flag worth re-checking). Being on RuPay, it can be linked to UPI apps (GPay, PhonePe, BHIM, etc.) for UPI payments, which the Visa variant cannot. Reward, lounge, and insurance terms are assumed identical since AU Bank has not published a separate RuPay-specific breakdown for Zenith; this parity is inferred, not independently confirmed.