There are 5 Major Credit Cards under AU Banks namely
I've also included a pdf containing all the costs and T&C for each AU card.
- Zenith Metal Credit Card
- Zenith Credit Card
- Altura Credit Card
- Altura Plus Credit Card
- Vetta Credit Card
Zenith Plus Metal Credit Card
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
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
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
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
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.