AU Small Finance Bank · Premium
AU Zenith
Earns AU Rewardz (Zenith)
Where it ranks across all 187 cards
#92 Groceries
1.0%
direct
#96 Dining out
1.0%
direct
#39 Wallet load
0.6%
direct
#78 Jewellery & watches
0.6%
direct
#85 Gaming
0.6%
direct
#100 Train tickets
0.6%
direct
#113 Health & pharmacy
0.6%
direct
#113 Other
0.6%
direct
#114 Electronics
0.6%
direct
#118 Hotels
0.6%
direct
#119 Flights
0.6%
direct
#120 Online shopping
0.6%
direct
#124 Fashion
0.6%
direct
#125 Movies & events
0.6%
direct
#127 Food delivery
0.6%
direct
#89 Insurance
0.2%
direct
#104 Utility bills
0.2%
direct
#144 Mobile / broadband
0.2%
direct
10 Apr 2026
Fee raised from ₹4,999 to ₹7,999, fee-waiver spend lowered from ₹8 lakh to ₹5 lakh, and lounge visits now need ₹50,000 spend a quarter, 2 a quarter each.
Get an email if this card changes - sign in.
Points valued at ₹0.2/pt - conservative, what rankings use · transfers reach up to ₹0.30/pt via Air India Maharaja Club at 6:1
Reward rules4 direct
Base rate - everything not covered below
0.60%base rate
3 pts / ₹100
source
Source: AU Zenith T&C - aubank.in - read 21 Aug 2026
5 RP/₹100 on standalone dining, international, grocery & departmental stores
1.00%this rule
5 pts / ₹100
source
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
5 RP/₹100 on international spends
1.00%this rule
5 pts / ₹100
source
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
Utilities/insurance/telecom: 1 RP/₹100, max 100 RP per transaction
0.20%this rule
1 pt / ₹100
source
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Air India Maharaja Club
6:1 ratio · Zenith+ transfers at a better 3:2. Air India removed AU from its partner list in Aug 2026 - check the route still works in AU Rewardz before you rely on it.
1,666 ptsworth ₹1,000-₹2,999
One partner, Air India Maharaja Club, through the AU Rewardz portal. Air India removed AU from its partner list in Aug 2026, so the route may be ending - check it in AU Rewardz first.
Earns nothing on6 exclusions
Rent
earns nothing
Rent earns nothing (AU member agreement 23.5.1); AU's rent charge is modelled as a fee rule from its MITC schedule of charges.
→ use Axis Burgundy Private here (4.2%)
detail & source
categories: Rent
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government earns nothing.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
categories: Government / tax
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
Fuel
earns nothing
Fuel earns nothing (1% surcharge waiver ₹400-5,000, cap ₹1,000; 1% fuel FEE from 1 Jul 2026).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
Cabs & transit
earns nothing
Transportation fee-penalized 1% from 14 Jun 2026 (IRCTC exempt); BBPS and quasi-cash excluded.
→ use FIRST Private here (6.6%)
detail & source
categories: Cabs & transit
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026
EMI
earns nothing
RP reversed on EMI conversion; 2-year expiry + inactivity forfeiture; ₹99 redemption fee.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: AU Zenith KFS v1.6 + MITC v2.21 (bank PDFs) - au.bank.in - read 22 Aug 2026