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

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

Apply for the super-premium AU Bank Zenith Credit Card with unlimited lounge access and 2X reward points. Eligibility and the application process.

FinWiz24 Editorial

Published 22 March 2026

Updated 18 June 2026

3 min read

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

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.

Card: au-zenith View Card

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

How to

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

Apply for the super-premium AU Bank Zenith Credit Card with unlimited lounge access and 2X reward points. Eligibility and the application process.

Time: 15mCost: ₹4,999 (joining fee)

What you'll need

PAN
Aadhaar
salary slips
bank statement
Form 16

1
Check Zenith eligibility
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.
2
Apply online via AU Bank website
Visit aubank.in → Cards → Credit Cards → Zenith. Click Apply Now. The form is pre-filled if you are an existing AU Bank customer.
3
Complete the application
Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Zenith variant and number of supplementary cards.
4
Complete Aadhaar eKYC
Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
5
Upload income documents
Upload the latest 3 months' salary slips, last 6 months' bank statement, and Form 16. Self-employed applicants must upload 2 years' ITR with computation and business proof.
6
Submit and track
Submit the form. The 12-digit application reference is shown. Track status in the AU Bank app. Approval takes 7–10 working days.
7
Pay the joining fee and receive the card
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.
8
Use for dining and travel to chase the multipliers
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.

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.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.