AU Zenith Credit Card Benefits, Review, Features, and Charges
Welcome to today’s post about the AU Zenith Credit Card. In this post, we will explore the benefits, reviews, features, and charges associated with this credit card, as well as the process to apply for it. In today’s fast-paced lifestyle, managing everyday expenses can be challenging. However, with the AU Zenith Credit Card, you can experience enhanced convenience in dealing with all your financial needs. Let’s delve into the details of the AU Zenith Credit Card.
What is AU Zenith Credit Card
AU is a Zenith Credit Card offered by Small Finance, which offers a host of benefits to its customers. If you seek a credit card that offers luxurious travel experiences and exceptional reward options, the Zenith Credit Card is the perfect choice for you. Take a look at the following details to explore the advantages of owning an AU Zenith Credit Card.
AU Zenith Credit Card Benefits
You get to see many benefits of joining this card, which proves to be of great help according to your daily routine. We will explain this in detail below.
Offer on Joining
- You can enjoy vouchers worth Rs. 1,000 from leading brands when you make your first retail transaction using the POS terminal.
- Earn a generous bonus of 10,000 reward points when your retail spends reach Rs. 1 Lac.
- These exciting benefits apply to retail purchases made within 60 days of setting up your card.
- Fuel transactions and cash withdrawals are not eligible for the calculation of Bonus Rewards points.
- You have the freedom to select vouchers worth Rs. 1,000 from a wide range of top brands when your retail spending reaches 2 lacks or more in a calendar quarter.
- As an exclusive privilege, enjoy a complimentary Epicure membership when your retail spends reach Rs. 8 lacks or more in a card anniversary year.
- Plus, on your birthday, receive a delightful bonus of 2,500 reward points for a single retail transaction.
International Markup Fee
- On international transactions, you have to pay a cross-currency foreign markup fee of 1.99%, which is very minimal.
Free Lounge Access
- Enjoy the luxury of complimentary lounge access at over 1,000 airport lounges across the globe, both in India and abroad.
- With Priority Pass, you can enjoy two complimentary lounge access at all participating lounges each calendar quarter.
- Additionally, with your Visa card, you are entitled to four complimentary lounge access per calendar quarter within India.
- Your Visa card entitles you to two complimentary lounge access per calendar quarter if you are traveling from railway stations in New Delhi, Ahmedabad, Kolkata (Sealdah), Jaipur, and Agra.
- Gain peace of mind with Rupee’s comprehensive insurance coverage. Receive an air accident cover worth 2 crores, ensuring financial protection in the unfortunate event of an air accident.
- In addition, Rupee provides a Credit Shield of up to Rs. 1.5 million, safeguarding you against unforeseen circumstances.
- For your purchases, enjoy purchase protection of up to Rs. 50,000, ensuring that you are covered in case of damage, theft, or loss of your purchases.
- In the event of loss or theft of your credit card, benefit from credit liability cover, which protects you from any unauthorized transactions.
- Report the loss promptly to the bank, and you will have zero liability for any fraudulent card transactions thereafter.
- Rupee also offers coverage for various travel inconveniences. In case of lost or delayed baggage, flight delays, loss of passport, or even hijacking, you can rely on Rupee to provide the necessary support and coverage.
ExpressEMI on AU Zenith Credit Card
- Convert your transaction into easy EMI options. Simply choose a tenure of your preference, and enjoy the convenience of paying in installments. This facility is available for transactions of Rs.2,000 or more.
Annual Membership Fee
- The annual fee for Rupee is Rs. 7,999 plus applicable taxes. However, this fee is waived if your retail spending reaches Rs. 5,00,000 or more in the previous card anniversary year. Enjoy the benefit of having the annual fee waived when you meet the specified spending requirement.
AU Zenith Credit Card Benefits Fee and Charges
To get this card, an annual membership fee of Rs 7,999 has to be paid, and it is subject to applicable taxes. When making a cash advance, a fee of 2.5% of the transaction amount or a minimum of Rs. 100 is charged.
For revolving credit, a monthly charge of 1.99% is applied, which is equivalent to an annual rate of 23.88%.
Foreign currency transactions incur a fee of 1.99% based on the transaction amount. Late payment charges vary between Rs. 0 and Rs. 1,100. If the credit limit is exceeded, over-limit charges amount to 2.5% of the over-limit amount or a minimum of Rs. 500.
There are additional charges as well. Cheque, ECS/NACH, and Autopay return attract a fee of Rs. 500. When processing a loan, a fee of 1% of the loan amount or a minimum of Rs. 500 is applied.
In the case of loan preclosure, a charge of 3% is levied on the outstanding principal. Balance transfer or BT on EMI processing incurs a charge of 1% of the transfer amount or a minimum of Rs. 250.
EMI conversion carries a fee of 1%, with a minimum of Rs. 99 plus GST for Xpress EMI and Rs. 199 plus GST for Instant EMI.
Read More: HDFC Diners Black Credit Card Benefits
For the validation of the card at lounges, a nominal charge of Rs. 2 is applicable. Priority Pass lounge visits within India are subject to a charge of $27 plus taxes.
If a card is lost, stolen, or damaged, a re-issuance fee of Rs. 100 is charged. Additionally, requesting a duplicated physical statement incurs a fee of Rs. 100, and there is a charge of Rs. 25 for outstation cheque processing.
All the fees, interest, and charges mentioned above are subject to an applicable Goods and Services Tax (GST) rate of 18% as per the terms and conditions.
Apply for AU Bank Zenith Credit Card.
To apply for the AU Zenith Credit Card offered by AU Small Finance Bank, please follow these straightforward steps:
- You can start its form fillup by visiting the official website (AU Small Finance Bank).
- Navigate to the ‘Cards’ section and choose ‘Credit Cards’ from the menu.
- Locate the option for the Zenith Credit Card and click on it.
- On the Zenith Credit Card page, you will find an ‘Apply Now’ button. Click on it.
- Next, you will see the application form again in a new tab. It is important to provide accurate and complete details in the required fields.
- Once you have filled out the application form, submit it for further processing.
- Expect a call from a representative of AU Bank who will verify the information provided and guide you through the subsequent steps of the application process.
- Make sure to have all the necessary documents and information readily available while filling out the online application form.
By following these steps, you can initiate the application process for the Zenith Credit Card with AU Small Finance Bank.
AU Zenith Credit Card is designed to meet the diverse needs and preferences of modern individuals. It combines luxury, convenience, and security to provide a truly exceptional credit card experience. Apply for the AU Zenith Credit Card today and unlock a world of benefits and rewards that will make your financial journey even more fulfilling.
FAQ AU Zenith Credit Card
What is the reward rate for the Au Zenith card?
When it comes to the reward rate offered by the AU Zenith Credit Card, it truly stands out with its attractive benefits. On regular spends, you can enjoy a very decent reward rate of 1.25%. However, the rewards get even better when it comes to specific categories.
What is the CIBIL score required for AU bank credit card?
To ensure swift approval for AU Bank Credit Cards, it is imperative for the applicant to possess a minimum Cibil Score of 750 or higher.