How to Apply for the AU Bank Zenith Credit Card in 2026

title: "How to Apply for the AU Bank Zenith Credit Card in 2026" slug: how-to-apply-for-au-zenith-credit-card excerpt: "Apply for the super-premium AU Bank Zenith Credit Card with unlimited lounge access and 2X reward points. Eligibility and the application process." category: how-to-apply tags:

• au-bank
• zenith
• super-premium
• lounge-access
• rewards relatedCards:
• au-zenith heroImage: /images/guides/au-zenith.svg publishedAt: "2026-06-18T16:57:29.628Z"

The AU Bank Zenith Credit Card is a super-premium card with unlimited domestic and international lounge access, 2 reward points per ₹100 on all retail spends, 5X on dining, 4X on travel, 1% fuel surcharge waiver, and a milestone voucher of ₹2,000 on spends of ₹2 lakh in a year. The annual fee is ₹4,999, waived on ₹5 lakh spends.

Why this matters

AU Zenith is the most rewarding AU Bank card. The 5X on dining and 4X on travel is competitive with the best cards in the segment. The unlimited lounge access recovers the annual fee within 2-3 international flights for moderate travellers.

Related cards

How to Apply for the AU Bank Zenith Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check Zenith eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹1 lakh for salaried. CIBIL score of 750+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via AU Bank website</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit aubank.in → Cards → Credit Cards → Zenith. Click Apply Now. The form is pre-filled if you are an existing AU Bank customer.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Zenith variant and number of supplementary cards.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Upload income documents</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Upload the latest 3 months&#39; salary slips, last 6 months&#39; bank statement, and Form 16. Self-employed applicants must upload 2 years&#39; ITR with computation and business proof.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in the AU Bank app. Approval takes 7–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Pay the joining fee and receive the card</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, AU Bank will charge ₹4,999 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, AU Bank app, or at any AU Bank ATM.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use for dining and travel to chase the multipliers</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card at restaurants and for travel spends to earn 5X and 4X multipliers. The 5X is capped at 10,000 points per month.</p>
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Common mistakes to avoid

The 5X on dining is restricted to direct POS transactions. The unlimited lounge access is via Dreamfolks — register before your first travel. The 4X on travel excludes online travel portals.

Pro tips

• Use Zenith for offline dining and direct travel bookings
• Pair with AU Vetta for fuel and utility
• Register on Dreamfolks and link the card before your first trip
• Plan to spend ₹5 lakh to waive the ₹4,999 annual fee

Frequently asked questions

What is the annual fee on Zenith?

₹4,999 + GST, waived on ₹5 lakh spends in the previous 12 months.

How many lounge visits are included?

Unlimited domestic + unlimited international per year via Dreamfolks.

Does the 5X apply to Swiggy?

No. The 5X is restricted to offline POS transactions.