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4+ Offers
Reward Type
Shopping
Joining Fee
nil*
Annual Fee
nil*
Features
- 500 RPs on first transaction
- Up to 5% cashback with select categories
- 6X reward points on Education, Utilities, Grocery and Departmental stores
- 4X reward points on Online and 2X reward points on Offline spends
- 1X = 1 Reward Point per Rs- 200 spends. 1 Reward Point = Rs- 0.20
- Avail Quarterly Milestone Benefit of double reward points on spends greater than ₹50,000 in a quarter
- Unlimited 1% Fuel Surcharge Waiver for all fuel transactions between Rs- 400 and Rs- 5,000
Welcome Benefits
Cashbacks & Rewards
Pricing
- Joining Fees: NIL
- Annual Fees: NIL
Documents Required
- ID Proof
- Address proof
- Can use any one of Aadhaar, voter ID or passport as proof
Reward Type
Shopping
Joining Fee
nil*
Annual Fee
nil*
Features
- 1000 RPs on first transaction
- Up to 5% cashback with select categories
- 10X reward points on Travel, Dining, Entertainment, and International transactions
- 6X and 4X reward points on online and offline spends, respectively
- 2 domestic airport lounge access per quarter and 1 international airport lounge access per year
- 1X = 1 Reward Point per Rs- 200 spends. 1 Reward Point = Rs- 0.20
- Eazydiner membership on annual spends of Rs- 2.5 lakhs
- Unlimited 1% Fuel Surcharge Waiver for all fuel transactions between Rs- 400 and Rs- 5,000
Welcome Benefits
Cashbacks & Rewards
Pricing
- Joining Fees: Rs- 999 + GST (waved off on 1st month spend of Rs- 15,000)
- Annual Fees: Rs- 999 + GST (waved off on annual spend of Rs- 1.5 Lakhs)
Documents Required
- ID Proof
- Address proof
- Can use any one of Aadhaar, voter ID or passport as proof
Reward Type
Shopping
Joining Fee
nil*
Annual Fee
nil*
Features
- 1000 RPs on first transaction
- Up to 5% cashback with select categories
- 10X reward points on Education, Utilities, Insurance, Grocery & Government spends
- 4X rewards on non-accelerated spends for first 5 days every month
- 2X reward points on online and offline spend
- 1X = 1 Reward Point per Rs- 200 spends. 1 Reward Point = Rs- 0.20
- 2 railway lounge access per quarter
- Unlimited 1% Fuel Surcharge Waiver for all fuel transactions between Rs- 400 and Rs- 5,000
Welcome Benefits
Cashbacks & Rewards
Pricing
- Joining Fees: NIL
- Annual Fees: Monthly fee of Rs- 49 + GST (waved off on spends of 10,000 every months)
Documents Required
- ID Proof
- Address proof
- Can use any one of Aadhaar, voter ID or passport as proof
Check your AU SMALL FINANCE BANK LIMITED Credit Card eligibility
Note: It will not affect your score
Best AU SMALL FINANCE BANK LIMITED Credit Cards in India 2025
Apply for other AU SMALL FINANCE BANK LIMITED Credit Cards
Enter a world of benefits and privileges with AU Bank Credit Cards. Whether it is movies, travel, shopping, lifestyle or fuel, get rewarded for every spend. Vetta, Altura Plus, Altura & Zenith – top card variants offering the best features to cardholders.
AU Small Finance Bank has earned a name for itself amongst the urban and rural household of India. Their host of services, starting from regular savings bank account to big ticket home loans, their financial products have reached lakhs of customers across the country.
With increasing purchasing power of Indian households, credit cards play a vital role in the retail space. AU Bank Credit Cards are an important product line from the bank that serve a wide range of customer segments.AU Bank Credit Cards – Features & Benefits
AU Lit Credit Card
India’s first customizable card – allows you to customize lifestyle features & pricing as per your needs. You can switch ON/OFF features as you wish. Other benefits include -
- Earn 5X/10X reward points on shopping
- Fuel Surcharge Waiver
- Cashbacks on achieving shopping milestones
- Get more cashbacks on shopping under specific category
- Airport lounge access
- Rewards on fitness & fun memberships
- Liability Cover against loss of card, fraudulent transactions after loss of card reported, card skimming or card counterfeit, resulting in fraudulent online transactions.
AU Zenith Credit Card
This card is designed for the luxury lovers. Gives great rewards for international travel bookings, hotel bookings, and more.
- Accelerated Rewards on every spend – get more rewards every time you use your card
- Get gift vouchers and luxury memberships on reaching milestone spends every quarter and every year.
- Enjoy lower mark-up fees on international spends
- 2500 Bonus points for any retail transaction done on your birthday.
- Complementary Railway and Airport Lounge access
- Get exclusive services through their Global Concierge Services
- 1% Fuel Surcharge waiver, capped at Rs.1000 per billing cycle
- Comprehensive insurance cover on travel, card loss and other benefits
- Enjoy 1st year card annual membership fee waiver when you spend Rs.1.25 lakhs withing 90 days of card activation. From 2nd year onwards, fee waiver applied when total annual spends exceed Rs.5 lakhs.
AU Bank Zenith+ Credit Card
This card, which is issued in a sleek, stylish, metal card, embodies luxury and lifestyle. It offers exclusive rewards and lifestyle benefits.
- Luxury brand vouchers or reward points worth Rs.5000 upon card activation
- Earn 2x rewards every time you spend on dining, travel and international spends
- Get additional reward points and Taj Epicure membership when you achieve spending milestones
- Travel enthusiasts enjoy lower mark-up fees on international spends, free airport lounge access at both domestic and international airports, end-to-end VIP check-ins at airports, and more.
- Free golf lessons
- Complimentary Buy-1-Get-1 Free movie tickets from BookMyShow
- Other benefits – Dedicated Concierge services, fuel surcharge waiver, priority customer service, comprehensive protection cover, and more.
AU Vetta Credit Card
This card offers huge savings and attractive rewards on your monthly shopping, travel and lifestyle spends.
- Earn 4x reward points on grocery & department store spends. 2x reward points on all other retail spends.
- Cashbacks on achieving shopping milestones
- Get Birthday Bonus of 1000 reward points for completing one retail transaction on your birthday
- Fuel Surcharge Waiver
- Enjoy complimentary domestic and international airport lounge access
- Exclusive Rewards on merchandise of top brands, mobile/DTH recharges, flight and hotel bookings, and more.
- Liability Cover against loss of card, fraudulent transactions after loss of card reported, card skimming or card counterfeit, resulting in fraudulent online transactions.
- Other benefits – Xpress EMI, Contactless card usage, add-on cards, and more.
These top Rewards credit cards give you the best rewards program
AU SPONT Credit Card
The AU Spont Credit Card is the ideal choice for those with an active, urban lifestyle, and love rewards on their daily purchases. It comes with unique features like rewards on UPI transactions, along with exclusive dining benefits, and milestone rewards, all with an affordable annual fee of just Rs.499.
- Reward Points on Every Spend: 2x reward points on specific categories such as dining, entertainment, and travel.
- UPI Transaction Rewards: A unique feature from AU Spont Credit Card; you can earn Coins on every UPI transaction done through the AU0101 app, which can then be used to purchase gadgets or gifts.
- Milestone Benefits: Earn bonus rewards for reaching annual spending milestones.
- 1% Fuel Surcharge Waiver
- Lounge Access: Complimentary access to domestic airport lounges & railway lounges.
- Other Benefits: Enjoy contactless card usage, Xpress-EMI for large purchases, add-on cards, comprehensive protection cover, and more.
AU Bank NOMO Credit Card
This is a credit card issued against your existing FD with AU Bank. It helps first time card applicants, or people with no credit history to enjoy the various benefits of a credit card, at an affordable cost. Starting with 500 reward points for card activation, the AU NOMO credit card opens up a world of exclusive benefits and rewards for its cardholders.
- Accelerated Reward Points: 2x reward points for retail spends and 1x reward points for utility and insurance transactions.
- Additional Reward Points: Enjoy bonus reward points for achieving spending milestones.
- Lounge Access: Relax while traveling, with complimentary lounge access at select domestic airports and railway stations.
- 1% Fuel Surcharge waiver.
- AU Rewardz: Enjoy discounts and branded merchandize by redeeming your AU Reward Points.
- Other Benefits: Enjoy contactless card usage, Xpress-EMI for large purchases, add-on cards, comprehensive protection cover, and more.
Check out this selection of the Best Cashback Credit Cards
AU Bank ABC Pro Credit Card
The AU Bank ABC Pro Credit Card is great for individuals seeking premium benefits and rewards. It combines great credit card features like rewards, travel perks, and lifestyle benefits, giving the cardholder a premium credit card experience. Cardholders receive 1,000 reward points upon their first transaction within 30 days of card setup.
- Accelerated Reward Points: Earn 10x reward points on travel, dining, entertainment, and international spends; 6x on online spends; and 4x on offline spends.
- Cashback on Ola: Enjoy 10% cashback on Ola bookings, up to ₹200 per statement cycle.
- Lounge Access: Enjoy 2 complimentary domestic airport lounge visits per quarter and 1 international lounge access per year.
- Milestone Benefit: Complimentary EazyDiner membership upon achieving ₹2.5 lakh annual retail spends.
- Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000.
- Low Forex Markup: Enjoy lower foreign currency markup fee of 1.99% on international transactions.
- Silver Spoon Dining Program: Avail up to 30% off at select partner restaurants.
- Other Benefits: Experience contactless payments, Xpress-EMI options for purchases above ₹2,000, and comprehensive protection covers, including air accident insurance up to ₹50 lakh and credit shield up to ₹5 lakh.
AU Bank ABC Nxt and Flex Credit Card
An exclusive credit card that offers a personalized credit card experience, with amazing benefits and rewards for lifestyle spends. Customize your card benefits with features like additional cashback, lounge access, and curated memberships to suit your lifestyle. Benefits begin with 500 reward points for your first transaction within 30 days of card activation.
- Accelerated Reward Points: Earn 6x reward points on utilities, grocery, departmental stores, and education spends; 4x on online spends; and 2x on offline spends.
- Quarterly Milestone Benefit: Get double the reward points when you spend above ₹50,000 in retail spends in one calendar quarter.
- Cashback on Ola: Get up to 5% cashback on Ola bookings.
- Fuel Surcharge Waiver: 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000.
- Railway Lounge Access: 2 complimentary railway lounge per quarter.
- Other Benefits: Experience contactless payments, Xpress-EMI options, ZERO liability cover for lost card duly reported.
AU Bank ALTURA+ Credit Card
The AU Bank Altura Plus Credit Card is a perfect balance between rewards and benefits, so that you can enjoy a mix of cashback and reward points, along with travel and lifestyle benefits. It is an excellent choice for individuals seeking great value for their everyday spending.
- Cashback: Enjoy 1.5% cashback on all POS retail spends at merchant outlets, capped at ₹100 per statement cycle.
- Reward Points: Receive 2x reward points on online transactions.
- Milestone Benefit: Get 500 bonus reward points upon spending ₹20,000 or more in a calendar month.
- Railway Lounge Access: Enjoy 2 complimentary lounge visits per calendar quarter at select railway stations.
- Fuel Surcharge Waiver: 1% waiver on fuel surcharges for transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.
- AU Rewardz: Redeem reward points to purchase e-vouchers, brand merchandise, mobile/DTH recharges, and travel bookings.
- Other Benefits: Experience contactless payments, Xpress-EMI options, add-on cards, and comprehensive protection against fraudulent transactions.
Ixigo AU Travel Credit Card
Designed for the travel enthusiast, the Ixigo AU Travel credit card offers exclusive benefits every time you travel. Enjoy great discounts with flight, train or bus bookings, hotels, food & dining, and more. Benefits start with a 1000 reward points & Rs.1000 Ixigo money voucher, on your first transaction within 30 days of card activation.
- Exclusive Travel Discounts: Large discounts on flight, bus, and hotel bookings. Zero payment gateway charges for train bookings.
- Accelerated Reward Points: Get higher reward points for train bookings through the Ixigo app. 10x reward points for online purchases. 5x reward points for offline spends.
- Complimentary Lounge Access: Enjoy 1 complimentary international lounge access per year via Priority Pass (issued upon request). 16 complimentary domestic airport and railway lounge accesses per year.
- Zero Forex Markup: Enjoy zero markup fees on international purchases.
- Fuel Surcharge Waiver: 1% waiver on fuel surcharges for spends between ₹400 and ₹5,000, to a max. of ₹250 per statement cycle.
- Other Benefits: Experience contactless payments, Xpress-EMI options, add-on cards, and comprehensive protection against fraudulent transactions.
How to apply for AU Bank Credit Cards?
You can apply for AU Bank Credit Cards through their website, or through their AU0101 mobile app.
- Visit the AU Bank website and go to the credit cards section - Apply for instant Credit Card Online | AU Small finance bank
- Go through the various credit cards and choose the one that best suits your requirements.
- Click on the ‘Apply Now’ button on the credit card page.
- Enter your mobile number to start with the application process.
- Enter your personal details in the subsequent pages and hit ‘Submit’.
- Upon due verification, your card is approved.
- You will be notified of the credit card limit, billing cycle and other details via email.
- Physical card will reach you within a week’s time.
What are the eligibility criteria to apply for AU Bank Credit Cards?
- Applicant should be a resident Indian
- Should be between 21 – 60 years of age
- Add-on card issued to family members who are at least 18 years old
AU Bank Credit Card – Interest Rate, Fees & Other Charges
Charges on Revolving Credit | All AU Retail Credit Cards (Except Zenith+ & ABC BIZ) | 3.59% per month (43.08% per annum) |
Zenith+ | 1.99% per month (23.88% annually) | |
All AU Retail Credit Cards Except Zenith+ | 3.75% per month (45% per annum) | |
Cash Advance Charges | 2.5% of amount withdrawn, subject to a minimum of ₹500 (Zero Cash Withdrawal Fees for Zenith+) | |
Overlimit Charges | 2.5% of overlimit amount, subject to a minimum of ₹500 | |
Payment Return Charges | 2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher | |
Cash Processing Fee | NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode | |
Reward Points Redemption Fee | ₹99 + GST | |
EMI Conversion Charges | Xpress EMI: 1% of the Amount being converted to EMI (minimum of ₹99 + GST) | |
Instant EMI | Processing fee of ₹199 + GST on every EMI transaction done at POS unit or through Payment Gateway | |
Reissue of Lost, Stolen or Damaged Card | ₹100 (₹2500 + Taxes for the Zenith+ Credit Card) | |
Late Payment Charges | Statement Balance | Statement Balance |
Less than or equal to ₹100 | NIL | |
Above ₹100 and up to ₹500 | ₹100 | |
Above ₹500 and up to ₹5,000 | ₹600 | |
Above ₹5,000 and up to ₹10,000 | ₹700 | |
Above ₹10,000 and up to ₹20,000 | ₹800 | |
Above ₹20,000 and up to ₹50,000 | ₹1,100 | |
Above ₹50,000 | ₹1,300 | |
AU Bank Credit Card Customer Care Numbers
| Toll-free Numbers | 1800 1200 1500 |
| Non Toll-Free Numbers | 0141-7141100 0141-7141100 |
| Customer Care Emails | creditcard.support@aubank.in creditcard.priority@aubank.in (For Vetta, Zenith and Zenith+ customers) 41-7141100 customercare@rewardz.aubank.in (Reward Points related) corpcc.support@aubank.in (For Commercial Credit Cards customers) |
FAQs on AU Small Finance Bank Credit Card
1. What are the joining fee and annual fee on AU Bank Credit Cards?
Yes, AU Bank credit cards carry a nominal annual fee and joining fee. While AU Bank ABC Nxt and Flex Credit Card & AU Lit credit cards don’t carry a joining fee or annual fee, other cards like the Zenith card, Altura card, Vetta card, Ixigo card, and others carry a joining fee and annual fee.
2. How & where to apply for AU Bank credit cards?
You can apply for AU Bank credit cards on their website, or from their mobile app AU0101.
3. What is the interest on revolving credit facility with AU Bank credit cards?
Interest on the revolving credit limit of AU Bank credit cards range from 1.99% per month to 3.75% per month, depending on the card variant.
4. How can I redeem my AU Bank credit card reward points?
AU Bank has a dynamic reward points program where cardholders can redeem their reward points for e-vouchers, brand merchandise, flight, bus, movie or hotel bookings, mobile recharges, and more. For more details, please check out their rewards program page.
5. How many days of interest free credit period do I get on my AU Bank credit card?
AU Bank credit cardholders can enjoy a credit free period of 48 days.
6. Are there any fees for add-on cards?
AU Bank credit cardholders can get up to 3 LIFETIME FREE add-on cards for their family members.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.
How to Apply for AU Bank Credit Card on CreditMantri.com
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