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AU Small Finance Bank Credit Card

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AU Small Finance Bank offers different credit cards suitable for diverse spending needs of the customers. Some of these are entry-level cards with basic rewards and cashback benefits, while other premium card variants come with extensive benefits, like brand discounts, low forex mark-up and complimentary lifestyle memberships. You can choose any of the AU Credit Cards depending upon your preferences and spending patterns. Refer below for the list of some of the top AU Credit Cards, along with their features, fees and rating, and apply online through Paisabazaar.

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Updated: 11-11-2024 10:51:41 AM

Best AU Credit Cards for 2024

AU Credit Cards come with a variety of features on several spending categories. Some of these credit cards offer reward points, cashback, vouchers, lounge access and other milestone benefits to help the card users save more on their spends.
Here, we have listed some of the most popular AU credit cards, along with their key features and ratings, from which you can choose based on your preferences and needs.

AU Zenith Credit Card

zenith-credit-card
3/5

Joining fee: ₹7999

Annual/Renewal Fee: ₹7999

20 reward points per Rs. 100 spent on dining

Up to 8 domestic and 8 Priority Pass lounge visits per year

Dining
Reward Points
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Product Details

  • Rs. 1,000 vouchers & Epicure membership on Rs. 2 lakh quarterly & Rs. 8 lakh annual retail spends respectively
  • 1.99% forex mark-up fee
  • 10 reward points on grocery, departmetal stores & international spends & 2,500 points on birthday spends
  • 5 reward points per Rs. 100 spent on other merchants; 1 reward point on utility, insurance & telecom
  • 8 complimentary railway lounge access per year (2 per quarter)
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AU Zenith+ Credit Card

zenith-plus-credit-card
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

2X reward points on travel, dining and international spends

16 complimentary international and domestic lounge access every year

Travel
Reward Points
Online Shopping
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Product Details

  • 1 reward point for every Rs. 100 on retail spends
  • 1,000 reward points on Rs. 75,000 monthly retail spends & Taj Epicure membership on Rs. 12 Lakh annual retail spends
  • 16 complimentary international lounge visits in a year using Priority Pass & 16 complimentary domestic airport lounge access every year
  • 16 complimentary B1G1 movie/event tickets from BookMyShow in a year
  • International travel benefits with a low forex markup fee of 0.99% and 4 end-to-end VIP airport check-in services per year
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AU Vetta Credit Card

vetta-credit-card
3/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

4x reward points on grocery & departmental store spends

Up to 4 visits each to Priority Pass & domestic airport lounges per year

Reward Points
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Product Details

  • 500 reward points on Rs. 50,000 quarterly spends with extra 1,000 points on reaching Rs. 1 lakh quarterly spends
  • 1 reward point per Rs. 100 spent on insurance, utility & telecom; 2x points on other merchants
  • 1,000 reward points on making 1 retail spend on your birthday
  • Annual fee waived off on Rs. 1.5 lakh annual spends
  • Top brand vouchers worth Rs. 1,000 on reaching Rs. 2.5 lakh annual spends
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AU Ixigo Credit Card

ixigo-au-credit-card
3.5/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

10% discount on travel bookings at Ixigo

4X reward points on train bookings via Ixigo

Travel
Co-branded
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Product Details

  • 10% discount on bus bookings, max. Rs. 300 once per month via Ixigo
  • 10% discount on flight bookings, up to Rs. 1,000 once per month via Ixigo
  • 10% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
  • 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India
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AU Altura Plus Credit Card

altura-plus-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

2X reward points on online shopping

Shopping
Reward Points
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Product Details

  • Vouchers worth Rs.500 on a minimum of Rs.10,000 retail spend done within 60 days
  • 1.5% cashback on all POS retail spends with 1 reward point per Rs. 100, beyond Rs. 100 cashback earned in a month
  • Milestone benefit of 500 bonus reward points on spending Rs.20,000 on retail spends in a month
  • 2 reward points per Rs. 100 spent on online transactions with no capping on reward points
  • 2 complimentary lounge access per calendar quarter at selected railway lounges
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AU Altura Credit Card

altura-credit-card
3/5

Joining fee: ₹199

Annual/Renewal Fee: ₹199

Up to 2% cashback on all spends including utility bill payments

Cashback
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Product Details

  • Card activation benefit worth up to Rs. 150, via 5% cashback on minimum spends of Rs. 2,500
  • Up to 2% cashback on all retail spends (2% on grocery, departmental stores and utility bill payments and 1% cashback on all other retail spends)
  • Milestone benefits of additional cashback worth Rs. 50 on completing a minimum of Rs.10,000 retail spends in every statement cycle
  • 2 complimentary railway lounge access per calendar quarter in selected cities
  • 1% fuel surcharge waiver for transactions done between Rs. 400 and Rs. 5,000 across all petrol pumps up to Rs. 100 per statement cycle
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AU LIT Credit Card

au-small-finance-bank-lit-credit-card-lifetime-free-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Earn both cashback and reward benefits on your everyday spends

Reward Points
Cashback
Check Eligibility

Product Details

  • Complimentary 3 month membership of Zee5, Amazon Prime and Cultpass Live
  • Additional cashback on everyday categories in addition to reward benefits offered as per base reward rate
  • Credit shield cover of up to Rs. 1.5 Lakh and zero lost card liability up to Rs. 1.5 Lakh or your credit limit, whichever is lower
  • 1% fuel surcharge waiver on all fuel transactions between Rs. 400 to Rs. 5,000
  • Up to 4 complimentary domestic airport lounge visits per quarter
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On this page
AU Credit Card Features & Benefits
AU Credit Card: Fees & Charges
AU Credit Card: Eligibility to Apply
Apply Online for AU Credit Cards
Frequently Asked Questions Related AU Bank Credit Cards

AU Credit Card Features & Benefits

Each AU Credit Card comes with its distinct savings benefits as per the card variant. But there are certain common features that are available irrespective of the type of credit card you own. Some of these are mentioned below:

Xpress Loan: This facility of instant loan disbursement through IMPS, fund transfer or UPI helps you in case of urgent financial needs.
Xpress Loan feature is offered within your AU credit card limit at a low processing fee of 2% of the loan amount and can be repaid in instalments over flexible tenures of 6, 12, 18, 24 or 36 months. The process of availing this pre-approved loan offer is quite convenient and requires no documentation. 

Xpress EMI: Through this facility, you can convert any of your AU credit card purchases worth Rs. 2,000 or above into EMIs. If you wish to avail this feature at the time of transaction, then you can opt for the ‘Instant EMI’ option. Some brand products also allow the option of ‘No or Low Cost EMI’. With flexible tenures of 3, 6, 9, 12, 18 and 24 months, which you can choose from depending upon your preference, this instant EMI feature comes without any additional documentation and at a processing fee of Rs. 199+GST.

AU Rewardz: The bank has its own loyalty rewards program called AU Rewardz. This program allows AU card users to earn reward points every time they use their card to make any purchase or make payments online as well as offline.
The accrued reward points can later be redeemed against the products and services listed in the rewards catalogue which includes movie tickets, travel bookings, brand vouchers and other merchandise.

Device Protection Plan: This free protection plan helps AU credit cardholders with the repair cost of their electronics. Under this plan, you get 1-year protection against screen damage for your mobile phones and tablets. In addition to this, you also get free 1-year extended insurance cover on a variety of white goods.

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AU Credit Card: Fees & Charges

Some of the common fees and charges associated with AU Credit Cards are given in the table below:

Fee Type Amount
Joining/ Annual Fee Depends on the AU credit card variant
Interest Charges on Revolving Credit Zenith Plus: 1.99% p.m. (23.88% p.a.)
ABC Biz: 3.69% p.m. (44.28% p.a.)
All other AU retail credit cards: 3.75% p.m. (45% p.a.)
Late Payment Charges On outstanding balance of –

Up to Rs. 100: Nil
Above Rs. 100 and up to Rs. 500: Rs. 100
Above Rs. 500 and up to Rs. 5,000: Rs. 600
Above Rs. 5,000 and up to Rs. 10,000: Rs. 700
Above Rs. 10,000 and up to Rs. 20,000: Rs. 800
Above Rs. 20,000 and up to Rs. 50,000: Rs. 1,100
Above Rs. 50,000: Rs. 1,300

Certain charges vary according to the card variant. To view the detailed AU Credit Card charges, click here.

AU Credit Card: Eligibility to Apply

The common eligibility criteria and the documents required to apply for AU Credit Card are as follows:

Age: Your age should be between 21 and 60 years to apply for AU Credit Cards. Add-on cardholders must be above 18 years old in age.
Occupation: Both salaried and self-employed individuals can apply for AU Credit Card.
Documents Required: Click here for the list of acceptable documents for AU Credit Card application.

In addition to the above mentioned parameters, your AU credit card eligibility is also dependent on other internal policies of the bank.

Check Eligibility for Top AU Credit Cards

Apply Online for AU Credit Cards

You can apply for the top AU credit card online through Paisabazaar via a completely digital process. Follow the steps given below:

Step 1: Click here to go to the form and enter your mobile number to begin the online application process.
Step 2: Provide the OTP sent to your mobile number for verification.
Step 3: Check and compare the pre-qualified best credit card offers that you are eligible for to select the best suited one for you.
Step 4: Complete the application process for your preferred card by filling out the detailed form and provide the required documents.

If you are unable to view the credit card offer of your choice on our platform, you may apply directly on the respective bank’s website.

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Frequently Asked Questions Related AU Bank Credit Cards

Q. Can I get AU lifetime free credit card?

A. Most AU Credit Cards are not free of cost. All AU credit cards, except the base version of AU LIT credit card, come with an annual fee, depending on the card variant. However, the fee amount can be waived off if the cardholder spends a specific amount in the calendar year.

Q. What are the charges for AU Credit Cards?

A. The bank charges its credit cardholders with various types of fees, such as annual fees, renewal fees, cash advance charges, cash withdrawal charges, late payment fees, and others depending on the card usage, for providing a range of services and benefits.

Q. I have misplaced my AU Credit Card and I am not the primary cardholder. Will I be eligible for card liability cover?

A. No, only the primary credit cardholders are covered under the insurance benefit in case the AU card is lost, stolen or misplaced.

Q. I have an AU Altura Credit Card. Will my annual fee be waived off in the second year?

A. Yes, your AU Credit Card annual fee can be waived off from second year onwards if you make retail spends worth at least Rs. 40,000 in the previous card anniversary year.

Q. Does AU Small Finance Bank hold the right to accept or decline credit card applications?

A. Yes, AU Small Finance Bank holds the right to accept or decline your credit card application as per your eligibility and credit history.

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