AU Zenith Credit Card Devaluation - Effective from 1st January 2026

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AU Small Finance Bank has announced major changes to the Zenith Credit Card, effective 1st January 2026.
Below is a clear summary of all the revised benefits and earn-rate changes.

🔄 Reward Points Structure (Effective 1st Jan 2026):

Category	Current RP / ₹100	W.E.F. 1 Jan 2026
Base Reward Points	5	3
Dining	20	5
International Spends	10	5
Grocery & Department Stores	10	5
Insurance & Utility/Telecom	1	1
Other Categories	0	0

🎯 Milestone Benefit Changes (Effective 1st Jan 2026)
New Milestone Benefit:
• On spending ₹50,000 or more in a statement cycle, you will earn 1,000 Bonus Reward Points.
Discontinued Milestone Benefits:
Effective 1st January 2026, the following milestone benefits will be discontinued:
• Quarterly Milestone: ₹1,000 brand voucher on spending ₹2 lakh per quarter
• Yearly Milestone: Taj Epicure Membership on spending ₹8 lakh in a card anniversary year

Although the card was already devalued and was honestly only worth considering if it was issued LTF, most people won’t care much about this round of devaluation because the card was never worth its fee to begin with.
It also seems clear that AU SFB wants Zenith holders to upgrade to the Zenith+ card, which is why they included an upgrade link along with the devaluation notice.

I wouldn’t recommend upgrading to Zenith+ either.
Both cards do not justify their fees, and there are far better alternatives available.

 

[mj01]

Received this a while ago. Basically they are forcing you to upgrade to paid Zenith+ (last part) or close this already average card by making it garbage.

 

[Desu Sarath]

Lol, Basically they are saying every one to throw this card into dustbin.

Feel for those who fought with AU to get this.

 

[maheshspanicker]

Actually, it was a very handy card for me. Was the default option for grocery whenever there was no other discount offer. Used to give a decent 2.5 percent. Also, when your eazydiner or Zomato/dineout don't work, it was handy with that 5 percent return. And a flat base reward rate of 1.25 was fairly decent. Despite earlier devaluation, you could still extract reasonable value from the card, but this is a huge blow.
And coming on top of the Axis Supermoney devaluation, it is time to look for another option, perhaps SBI Cashback or BoB Eterna...

 

[Abhishek012]

I’ve heard that on AU Bank’s RuPay variant credit cards (all AU CC available on RuPay), you get the same rewards even on UPI. Some people really exploit this through UPI.

However, AU Bank doesn’t convert existing users to RuPay and only a limited number of users have the RuPay variant, so you don’t get full clarity on the details.

 

[Patil007]

Lol, Basically they are saying every one to throw this card into dustbin.

Feel for those who fought with AU to get this.

I also fought for this card. First took Vetta then TF Community member help me to draft a email and sent it to AU customer care to get Zenith LTF. 🙂

 

[hellowo₹ld]

after IDFC, AU forces their LTF customers to paid cards by devalue their cards to make sure they're not worth keeping even LTF.

 

[nari]

I got Zenith plus LTF and it is collecting dust.

 

[Mpautobe]

So, it's time to close the card now. The card has become useless...

 

[Centurion_wala]

I got Zenith plus LTF and it is collecting dust.

How ? ?

 

[nari]

How ? ?

Check below thread
Post in thread 'AU Zenith Plus Credit Card Launched | Full Details & Review' https://technofino.in/community/thr...unched-full-details-review.17271/post-1154673

 

[Rishabh]

Luckily Birthday benefit still continue on this card - 'Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday' which is decent to have for a LTF card 😉

Utilizing this benefit from last 3-4 yrs since the card has been issued 🙂

 

[mj01]

Luckily Birthday benefit still continue on this card - 'Earn 2,500 Bonus Reward Points on completing one retail transaction on your birthday' which is decent to have for a LTF card 😉

Utilizing this benefit from last 3-4 yrs since the card has been issued 🙂

Sole reason why I am still confused whether to keep it or close it

 

[Rishabh]

Sole reason why I am still confused whether to keep it or close it

can keep it till LTF and bank specific merchant offers for AU bank cards. Sometimes bank also give targeted offers for Tax payment, Insurance spends, etc. which are quite decent considering this are excluded categories in general in credit card world 🙂