What is the annual fee for the AU Small Finance Bank Zenith?

The annual fee for the AU Small Finance Bank Zenith is ₹7,999. It can be waived on annual spends of ₹5,00,000.

Does the AU Small Finance Bank Zenith offer airport lounge access?

Yes — the AU Small Finance Bank Zenith offers 4 domestic per quarter lounge visits, unlimited international lounge visits.

What rewards does the AU Small Finance Bank Zenith earn?

It earns 5% on eligible spends as Reward Points.

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Zenith — AU Small Finance Bank Credit Card | Card Manager

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AU SFB

Premium

•••• •••• •••• 0000

Zenith

VISA

Zenith

AU Small Finance Bank • Visa• Premium

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Annual Fee

₹7,999

Base Reward Rate

5.00%

Foreign Tx Fee

1.99%

Tier

Premium

Joining Fee

₹7,999

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

4 per quartermedium

✓ No activation spend required — access is unconditional.

4 Visa visits + 2 PP/qtr.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹1,000

Dining₹5,000/mo

+₹250

Grocery₹8,000/mo

+₹400

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹250

Online Shopping₹8,000/mo

+₹400

Utilities₹3,000/mo

+₹150

Annual earnings

₹29,400

Blended 4.71% effective return

Monthly spend₹52,000

Monthly earnings+₹2,450

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

₹1K vouchers + 10K bonus on ₹1L in 60 days. Free Epicure membership on ₹8L spend. ₹2 crore air accident.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹0.50 depending on redemption (cashback → flights/transfer).
value range
5% base reward rate on all eligible spends. 5 pts/₹100 on other.
5.00%medium
Dining: 20 pts/₹150 — 20 pts/₹100 at standalone restaurants.
5.0% · cap 5,000/momedium

Priority Pass

Membership incl.

Unlimitedmedium

✓ No activation spend required — access is unconditional.

Priority Pass 1000+ lounges.

International: 10 pts/₹150 — 10 pts/₹100 international.

2.5% · cap 5,000/momedium

Forex

1.99% forex markup on international card transactions
1.99%

Travel

domestic via direct: 4 per quarter — no spend needed
4/quartermedium
international via Priority Pass: Unlimited — no spend needed
Unlimitedmedium

Payments

Joining fee: ₹7,999. Annual: ₹7,999.
₹7,999
Annual fee waived on spending ₹5,00,000 per year.
Spend ₹5,00,000
Milestone: spend ₹50,000/month → Spend ₹50,000 or more in a statement cycle and earn 1,000 bonus reward points.
+₹250 valuehigh