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.

Au Zenith

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

How to apply Total time: 15 min · Estimated cost: ₹4,999 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, Form 16

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

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.
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.
Complete the application — Provide your personal details, employment information, monthly income, and existing credit relationships. Choose the Zenith variant and number of supplementary cards.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
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.
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.
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.
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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

AU credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Airport lounge access in India — networks, benefits, cards — Priority Pass, Visa Infinite, Mastercard World, and Amex Centurion coverage at Indian airports
Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory