# AU Zenith

AU Small Finance Bank · Visa. ₹7,999 fee · 3.49% forex · 3 RP / ₹100 other spends (25K RP/cycle overall cap).

verified · checked 16 July 2026 · Source: https://www.au.bank.in/credit-cards/credit-card-member-agreement.pdf

## How it earns (6)

- 3 RP / ₹100 other spends (25K RP/cycle overall cap) · cap 25,000 points per statement cycle · verified · checked 16 July 2026
- 5 RP / ₹100 dining, merchant cap 5,000 RP/cycle · cap 5,000 points per statement cycle · verified · checked 16 July 2026
- 5 RP / ₹100 grocery · cap 25,000 points per statement cycle · verified · checked 16 July 2026
- 5 RP / ₹100 international · cap 25,000 points per statement cycle · international only · verified · checked 16 July 2026
- 1 RP / ₹100 on utilities and telecom, capped at 100 RP per transaction · cap 25,000 points per statement cycle · max 100 points per transaction · verified · checked 19 October 2026
- 1 RP / ₹100 on insurance · cap 25,000 points per statement cycle · verified · checked 19 October 2026

## On gift vouchers

- ₹60 back on a ₹10,000 voucher bought direct. · 3 RP / ₹100 other spends (25K RP/cycle overall cap)
- Vouchers for Bharat Petroleum (BPCL), BYJU'S, Google Pay (GPay), Delhi Metro (DMRC) and 13 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No reward points on fuel, rent, education, transport, EMI or bill payments made through BBPS
- No reward points on government payments, quasi-cash or cash

## Lounges (2)

- 2 international visits a quarter through Priority Pass. · Priority Pass · international · 2 per quarter
- 2 domestic visits a quarter, after ₹50,000 of retail spend the previous calendar quarter (from 10 Apr 2026). · Visa domestic lounge · domestic · 2 per quarter · checked 19 October 2026

## Transfer partners (0)


1 route closed, kept as history in the change log

## Fees

- Annual fee: ₹7,999 + GST
  Waived at ₹5,00,000 spend per card year
- Forex markup: 3.49%
- DCC markup: Not published
- Earns: AU Rewardz Points · ₹0.25 a point at baseline

## Dated changes (2)

- Partner removed · 31 January 2026: AU cards no longer convert to Air India Maharaja Points (https://getbrief.cards/changes#au-maharaja-ended-2026-01)
- Devaluation · 1 January 2026: AU Zenith reward rates slashed; premium tier moves to Zenith+ (https://getbrief.cards/changes#au-zenith-deval-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/au-zenith