Bad news for AU Zenith Credit Card holders—your premium reward dream has just been rudely woken up. AU Bank slashes AU Zenith Credit Card benefits across the board for the shiny new variant Zenith+. Starting 1 January 2026, the reward rates of your AU Zenith Credit Card fall—dining perks gutted, international spending nerfed, and milestone magic vanished!
What once was the pride of AU Bank, the AU Zenith Credit Card, is now struggling to stay relevant. It's probably time for smart spenders to reassess their strategy before these cuts knock hard at the wallet.
Reward Massacre: AU Zenith Credit Card's Brutal New Rates
AU Zenith Credit Card: a bloodbath awaits for rewards. Here's the ugly truth side by side:
| Spend Category | Current Rewards | NEW from Jan 2026 | Loss % |
|---|---|---|---|
| Base Spends | 5 RP | 3 RP | -40% |
| Dining | 20 RP | 5 RP | -75% |
| International | 10 RP | 5 RP | -50% |
| Grocery/Dept Store | 10 RP | 5 RP | -50% |
| Insurance/Utility | 1 RP | 1 RP | No Change |
| Other Spends | 0 RP | 0 RP | No Change |
Foodies with AU Zenith Credit Cards? Your 20X rewards turn to dust. International shopper? Cut in half. Clearly, AU Bank wants you to upgrade!
Key Benefits Removed—Milestone Rewards: The New Reality of AU Zenith Credit Card
AU Zenith Credit Card's sweet milestone perks? Dead by Jan 2026. Say goodbye to:
- ₹2 Lakh/Quarter → ₹1,000 brand vouchers
- ₹8 Lakh/Year → Membership of Taj Epicure
Replacement? Comically easy: Spend ₹50,000 in a statement cycle = 1,000 bonus RP. Easier? Yes. Valuable? Barely. AU Zenith Credit Card holders lose big-time prestige rewards for pocket change.
Reality Check for AU Zenith Credit Card Users: That single Taj membership was worth ₹15,000+ a year. New bonus? Maybe a coffee voucher.
Why AU Bank Killed AU Zenith Credit Card Appeal
The message screams loud: Upgrade to Zenith+ or GTFO! The AU Zenith Credit Card was premium royalty—now it's mid-tier mediocrity. Post-devaluation, it can't compete with Axis Magnus, HDFC Infinia, or even SBI Prime.
First, there is a catch for AU Zenith Credit Card holders:
- Hang around? Lower rewards + annual fees = losing proposition
- Downgrade? Better free cards exist
- Upgrade? Zenith+ charges for a service and then provides
Classic: AU Bank's playbook—starve the old card, force premium upgrades.
Survival Guide: 5 Things AU Zenith Credit Card Holders Should Do NOW
Don't panic—strategize! AU Zenith Credit Card holders, act before Jan 1:
Best Current Offer: Crush dining spends at 20X before cuts hit
Stockpile Milestones: Achieve ₹2L/₹8L targets in Q4 2025
Zenith+: Assess the fees versus superior rewards; if your budget can afford it, Consider alternatives: Axis, HDFC, SBI premium cards crushing devalued AU Zenith Credit Card
Pro Tip: Ask for retention offers. Many banks will waive fees or sweeten the deal for loyal AU Zenith Credit Card holders.
The Final Verdict: Premium Days for AU Zenith Credit Card Are OVER
The AU Zenith Credit Card came into 2025 as a king and left as a pawn. The devaluation by AU Bank makes crystal clear: Zenith+ is the future. Slashed rates and gutted milestones strip away premium justification. Current AU Zenith Credit Card holders: Milk the remaining benefits dry, then choose—upgrade, downgrade, or jump ship. The AU Zenith Credit Card era ends Jan 2026. Adapt or get left behind!