AU Bank Credit Cards

anuragmukherjee28 · Jun 12, 2024

There are 5 Major Credit Cards under AU Banks namely

Zenith+ Metal Credit Card
Joining Fees	Rs 4,999 + taxes
Annual Fees	Rs 4,999 + taxes ( Rs. 0 if you spend Rs. 8,00,000 or more annually)
Welcome offer	Luxury Brand Vouchers or Reward points worth INR 5,000 on Zenith+ card activation
Reward points	Earn 2 Reward Points for every INR 100 spent on travel, dining, and international spends Earn 1 Reward Point per INR 100 on retail spends across all merchant categories
Reward value	1 Reward Points = Rs. 1
Benefits	Foreign mark-up fees of 0.99% on all international transactions Airport Meet & Assist & Dedicated Concierge Services 16 complimentary buy-one-get-one movie/event tickets from BookMyShow 8 complimentary golf games/lessons annually. Earn 5000 Bonus Reward Points on paying annual/renewal membership fee Air Accident Cover - Up to INR 2 Crore Card Liability Cover - Up to INR 15 Lakhs Credit Shield - Up to INR 15 Lakhs Purchase Protection - Up to INR 50,000 Get complimentary Device Protection Plan on Electronics purchased using Zenith+ Credit Card
Milestone Benefits	1,000 Reward Points on a minimum retail spend of INR 75,000 per statement cycle. Complimentary Taj Epicure Membership on minimum spends of INR 12 Lakh annually.
Lounge Access	FREE complimentary 16 International + 16 Domestic Airport Lounges access
Fuel Surcharge	1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country. (Maximum of INR 1000 per statement cycle)

Zenith Credit Card
Joining Fees	Rs 7,999 + taxes
Annual Fees	Rs 7,999 + taxes ( Rs. 0 if you spend Rs. 5,00,000 or more annually)
Welcome offer	Nil
Reward points	20 Reward Points per INR 100 retail spends done on Dining at standalone restaurants. 10 Reward Points per INR 100 retail spends done on International transactions, Grocery and Departmental stores. 5 Reward Points per INR 100 retail spends done across other merchant categories. 1 Reward Point per INR 100 retail spends done on Insurance and Utility & Telecom categories.
Reward value	1 Reward Points = Rs. 1
Benefits	Much lower cross currency foreign mark-up fees of 1.99% Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday Dedicated Concierge Services & Priority Customer Service Air Accident Cover - INR 2 Crore Card Liability Cover Credit Shield - Up to INR 15 Lakhs Purchase Protection - Up to INR 50,000 Other Travel related covers
Milestone Benefits	INR 1,000 vouchers on minimum INR 2 lakh retail spends done per quarter Complimentary Epicure Membership on minimum of INR 8 lakh retail spends annually
Lounge Access	2 complimentary Domestic lounge access quarterly 2 complimentary International lounge access quarterly 2 complimentary Railway lounge access quarterly
Fuel Surcharge	1% Fuel Surcharge Waiver for fuel transactions done across all fuel stations in the country (maximum INR 1,000 per statement cycle).

Altura Credit Card
Joining Fees	Rs 199 + taxes
Annual Fees	Rs 199 + taxes (Rs. 0 if you spend Rs. 40,000 or more annually)
Welcome offer	Nil
Reward points	2% Cashback on all retail spends done at Grocery stores, Departmental stores and Utility bill payments. (Maximum cashback -INR 50) 1% Cashback on all other retail spends (Maximum cashback - INR 50)
Reward value	No concept of Reward points
Benefits	zero liability on any fraudulent transactions made with card after reporting the loss to the bank
Milestone Benefits	Get additional cashback of INR 50 on completing a minimum of INR 10,000 retail spends in every statement cycle.
Lounge Access	2 complimentary Railway lounge access per calendar quarter
Fuel Surcharge	1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 100 per statement cycle)

Altura Plus Credit Card
Joining Fees	Rs 499 + taxes
Annual Fees	Rs 499 + taxes (Rs. 0 if you spend Rs. 80,000 or more annually)
Welcome offer	Nil
Reward points	1.5% Cashback on all POS retail spends done at merchant outlets 2 Reward Points per INR 100 retail spends for all your online transactions. 1 Reward Point per INR 100 spend on Utility & Telecom and Insurance category spends.
Reward value	1 Reward Points = Rs. 1
Benefits	zero liability on any fraudulent transactions made with card after reporting the loss to the bank
Milestone Benefits	You get 500 Bonus Reward Points when you do INR 20,000 retail spends in a calendar month.
Lounge Access	2 complimentary Railway lounge access per calendar quarter
Fuel Surcharge	1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 100 per statement cycle)

Vetta Credit Card
Joining Fees	Rs 2999 + taxes
Annual Fees	Rs 2999 + taxes (Rs. 0 if you spend Rs. 1,50,000 or more annually)
Welcome offer	Nil
Reward points	4 Reward Points per INR 100 retail spends done on Grocery & Departmental store. 2 Reward Points per INR 100 retail spends done across all other merchant categories. 1 Reward Point per INR 100 retail spends done on Insurance and Utility & Telecom categories.
Reward value	1 Reward Points = Rs. 1
Benefits	Earn 1,000 Bonus Reward Points on completing one retail transaction on your birthday. Dedicated Concierge Services Air Accident Cover - INR 50 Lakhs. Card Liability Cover - Up to INR 5 Lakhs. Purchase Protection - Up to INR 25,000 Other Travel related covers
Milestone Benefits	Earn up to 1,500 Bonus Reward Points in every calendar quarter with INR 1 lakh retail spends Get INR 1,000 worth vouchers on minimum INR 2.50 lakh retail spends done in a card anniversary year.
Lounge Access	1 complimentary Domestic lounge access quarterly 1 complimentary International lounge access quarterly 2 complimentary Railway lounge access quarterly
Fuel Surcharge	1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 250 per statement cycle)

I've also included a pdf containing all the costs and T&C for each AU card.