AU Zenith Credit Card
3 points/₹100 ordinary retail; ₹0.20 e-voucher value. ₹7,999+GST annual fee.
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AU Small Finance Bank’s Zenith product page identifies the current ₹7,999+taxes annual membership fee. Its own Zenith benefits article explicitly gives 3 reward points for every ₹100 of ordinary retail, 5 points/₹100 on standalone restaurants, foreign transactions, grocery and department stores, and 1 point/₹100 on telecom, utility and insurance. This model scores only ordinary eligible online and in-store domestic retail at 3 points per complete ₹100 in one monthly transaction. It excludes accelerated MCCs, utilities, insurance, fuel, cash, rent, education/government, wallets, EMI, BBPS, transportation and ambiguous special merchant routes. The current AU card member agreement caps Zenith earn at 25,000 total points per statement cycle and 5,000 points on dining. This ordinary-retail model uses the 25,000-point shared total cap; dining remains unscored. AU’s issuer-wide reward FAQ gives ₹0.20 per point on e-vouchers and a minimum 200-point redemption; one ₹99+GST redemption fee is deducted each year when 200 annual points are available. E-vouchers require an eligible available catalog product and are not statement cash. The annual card fee with estimated 18% GST is deducted in ranking; first-year waiver after ₹1.25 lakh spend in the first 90 days and later waiver after ₹5 lakh previous-year spend are not assumed. Birthday, welcome, lounge, quarterly and monthly milestone rewards are omitted because timing, card tenure or spend mix may change them. Check current issuer terms and card statement before relying on a quote.
Issuer terms
AU Zenith current card and fee · AU Zenith bank-authored card-specific earn rates · AU Rewardz FAQ: value and redemption minimum · AU current fee and redemption charge · Current Zenith monthly reward cap
Terms checked 30 September 2026. Voucher value requires redemption, not statement cashback.