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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
AU

Zenith

Best forGroceries & Dining
Earns5 RP/₹100 RP/₹100 on groceries
1st Year / Joining Fee
₹7,999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹5,00,000
annual spend
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 5 RP/₹100 RP/₹100
  • Annual fee is waived at ₹5,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries5 RP/₹100 RP/₹100
Dining5 RP/₹100 RP/₹100
Food Delivery5 RP/₹100 RP/₹100
Shopping3 RP/₹100 RP/₹100
Travel3 RP/₹100 RP/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
Insurance1 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 1 RP/₹100 on Insurance
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 1 RP/₹100 on Insurance.
Utilities1 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 1 RP/₹100 on Utilities
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 1 RP/₹100 on Utilities.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries5 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 5 RP/₹100 on Groceries
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 5 RP/₹100 on Groceries.
Dining5 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 5 RP/₹100 on Dining
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 5 RP/₹100 on Dining. Dining cap 5,000 RP/statement.
Food Delivery5 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 5 RP/₹100 on Food Delivery
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 5 RP/₹100 on Food Delivery.
Shopping3 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 3 RP/₹100 on Shopping
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 3 RP/₹100 on Shopping.
Travel3 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 3 RP/₹100 on Travel
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 3 RP/₹100 on Travel.
GovernmentNot eligible—AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance)
Details
Status
Verified — not eligible
Issuer note
AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance). Product-page V8 record previously showed 1 RP/₹100.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways3 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 3 RP/₹100 on Railways
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 3 RP/₹100 on Railways.
FASTag3 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 3 RP/₹100 on FASTag
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 3 RP/₹100 on FASTag.
Jewellery3 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 3 RP/₹100 on Jewellery
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 3 RP/₹100 on Jewellery.
Telecom1 RP/₹100 RP/₹10025,000 RP per statementAU Zenith: 1 RP/₹100 on Telecom
Details
Status
Verified
Source
SRC-AU-06
Issuer note
AU Zenith: 1 RP/₹100 on Telecom.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹7,999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹5,00,000
annual spend
Reward caps
  • Multiple — 25,000 RP / statement (shared cap — Multiple)

Key benefits

Rewards
5 RP/₹100 RP/₹100 on groceries
Fee waiver
Annual fee waived on ₹5,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at 25,000 RP / statement (shared cap — Multiple)
  • No reward on: Rent, Education, Fuel, Wallet
  • Not eligible: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
  • You can reach the ₹5,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 5 no-reward categories
Caps
  • Multiple — 25,000 RP / statement (shared cap — Multiple)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Government — Not eligible. AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance).
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas

4 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — Zenith Official Product Documentation · SRC-AU-06 · 2026-09-23
Current May 2026 cardmember agreement; Zenith+ special-category caps/rules · SRC-24
Zenith₹7,999 1st year