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AU Small Finance Bank

AU Bank Zenith

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AU Bank Zenith

Name: AU Bank Zenith
Brand: AU Small Finance Bank
Rating: 4.4 (50 reviews)

Underrated mid-premium — punches above its fee tier.

4.4 / 5

Joining fee

₹7,500

Annual fee

₹7,500

Top reward

10%

Min income

₹1,200,000

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5-year value calculator

How much AU Bank Zenith actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹31,200

Annual fee−₹7,500

Fee waiver triggers at ₹800,000 annual spend. You're currently at ₹600,000. Bump monthly spend to ₹66,667 to clear it.

Cumulative net value

+₹118,500

over 5 years

Year 1

₹23,700

+₹23,700/yr

Year 2

₹47,400

+₹23,700/yr

Year 3

₹71,100

+₹23,700/yr

Year 4

₹94,800

+₹23,700/yr

Year 5

₹118,500

+₹23,700/yr

Year 1 (with bonus)

₹23,700

Year 2+ (steady state)

₹23,700/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel

10%

📈

Everything else

📈

🎁

Welcome bonus

7,500 reward points + Vistara Premium Economy ticket

What you get

10 ZenPoints per ₹100 on travel + dining
2 ZenPoints per ₹100 on general spend
8 complimentary international lounge visits per quarter
12 complimentary domestic lounge visits / year
Annual milestone: free domestic flight at ₹6L spend
4 free golf rounds/quarter at 250+ courses
2% forex markup

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,200,000

Min credit score

780+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the AU Bank Zenith

The SaaS subscriptions where AU Bank Zenith earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹3,04,088/yr.

Top match

Big forex win