AU Zenith Credit Card 2025
Save up to ₹80,000+ every year with 5% dining rewards, ₹5,000 vouchers & 16 lounge visits!
If you love dining out or ordering from Swiggy/Zomato, the AU Zenith Credit Card is one of the best mid-premium lifestyle cards in India!
You get 5% value back on all dining & food delivery (up to ₹25,000/month), ₹5,000 luxury vouchers (Taj, Michael Kors, Tata Cliq) on joining, 16 domestic lounge visits, 2.5% on grocery, low 2.35% forex markup, and ₹4,999 annual fee with easy waiver options.
Reward points = Real Cash – 1 point = ₹0.20–₹0.25, redeem for vouchers, travel or statement credit!
Why This Is The Best Dining + Lifestyle Card in 2025?
5% dining/food • ₹5,000 luxury vouchers • 16 lounge visits • 2.5% grocery • 2.35% forex • Concierge
Best for: Foodies, frequent diners, lounge users, luxury shoppers
Current Offer – ₹5,000 Luxury Vouchers + 16 Lounge Visits
Card At a Glance
₹4,999 + GST
₹4,999 + GST
5% dining/food | 2.5% grocery
Reward Points
16 Domestic/year
2.35%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹4,999 + GST |
| Annual Fee | ₹4,999 + GST |
| Welcome Benefit | ₹5,000 luxury vouchers |
| Rewards Redemption Fee | Nil |
| Foreign Currency Markup | 2.35% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
Detailed Reward Rates (2025)
- 5% value back on dining & food apps (max ₹25,000/month)
- 2.5% value back on grocery & departmental stores
- 2.5% on international spends
- 1 Reward Point = ₹0.20–₹0.25
- 16 domestic lounge visits per year
Airport Lounge Access
16 complimentary domestic lounge visits per year (4 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹50,000
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on dining & food apps | ₹4,999 annual fee |
| ₹5,000 luxury welcome vouchers | No international lounge |
| 16 domestic lounge visits | |
| 2.35% forex markup | |
| Concierge service |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Income: ₹15 Lakh p.a.
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit AU Bank website → Credit Cards → Zenith
- Click Apply Now → Fill details
- Upload documents → Video KYC
- Card delivered in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹25,000+ monthly on dining & food delivery, AU Zenith gives you 5% real cashback + ₹5,000 vouchers + 16 lounge visits — easily ₹70K+ value every year. Best dining-focused premium card in India right now!
Frequently Asked Questions (FAQs)
How much back on dining?
5% value back on all dining & food apps (max ₹25K/month).
Welcome benefit?
₹5,000 luxury vouchers (Taj, Michael Kors, Tata Cliq).
Lounge access?
16 domestic lounge visits per year.
Any forex benefit?
2.35% markup — better than most.