AU Bank Credit Card
AU Small Finance Bank, an Indian private sector bank, was founded in 1996. The bank operates across 21 states and three union territories in India, employing over 30,000 people. With a customer base of hundreds of thousands nationwide, AU Small Finance Bank has the highest number of branches in Rajasthan, its home state.
The bank offers a range of exclusive credit cards across various categories, quickly establishing itself as a major card issuer in the country. As of April 2024, AU Bank has more than 970,000 active credit cards. Notably, AU Bank also offers upgraded credit cards not only to its customers but to others as well, through its SwipeUp platform, which provides better credit limits, enhanced rewards, and more benefits. In this article, we'll delve into the details of the credit cards offered by AU Bank so you can find the one that best suits your needs.
AU Credit Card Features and Benefits
Each AU Credit Card offers unique savings and benefits tailored to its specific variant. However, there are some common features available regardless of which AU credit card you own. These include:
Xpress Loan: This facility allows for instant loan disbursement via IMPS, fund transfer, or UPI, providing a quick solution in times of urgent financial need. The Xpress Loan is available within your AU credit card limit with a low processing fee of 2% of the loan amount. You can repay the loan in installments over flexible tenures of 6, 12, 18, 24, or 36 months. The process is simple, requiring no documentation for this pre-approved loan offer.
Xpress EMI: This feature enables you to convert any AU credit card purchase of Rs. 2,000 or more into EMIs. At the time of the transaction, you can opt for the 'Instant EMI' option. Some brands even offer ‘No or Low-Cost EMI’ options. With flexible tenures of 3, 6, 9, 12, 18, and 24 months, this feature allows you to choose the repayment period that suits you best. The Instant EMI facility is easy to use, requiring no additional documentation, and comes with a processing fee of Rs. 199 + GST.
AU Rewardz: AU Bank has a loyalty rewards program called AU Rewardz. With this program, AU cardholders can earn reward points on every purchase or payment, whether online or offline. These reward points can be redeemed for products and services listed in the rewards catalog, including movie tickets, travel bookings, brand vouchers, and other merchandise.
Device Protection Plan: This complimentary protection plan covers the repair costs of your electronics. It provides 1-year protection against screen damage for your mobile phones and tablets, along with a free 1-year extended insurance cover on various white goods.
Type of Card Annual Fee & Joining Fee
AU Bank currently issues ten credit cards, catering to different segments of individuals with varying needs and income levels. Below is a list of all AU Bank Credit Cards, along with detailed information on their benefits and other essential details.
| Type of Card | Annual Fee | Joining Fee |
|---|---|---|
| AU Bank Zenith Credit Card | Rs. 7,999 | Nil |
| AU Bank Vetta Credit Card | Rs. 2,999 | Nil |
| AU Bank Altura Plus Credit Card | Rs. 499 | Nil |
| AU Bank Altura Credit Card | Rs. 199 | Nil |
| AU Bank LIT Credit Card | Nil | Nil |
| AU Bank Zenith Plus Credit Card | Rs. 4,999 | Nil |
| ixigo AU Credit Card | Rs. 999 | Nil |
| AU Bank NOMO Credit Card | Nil | Rs. 199 |
| AU SPONT Credit Card | Rs. 299 | Nil |
| AU Bank InstaPay Credit Card | Nil | Nil |
Best AU Bank Credit Cards in India
AU Bank Credit Card Types & Features
AU Bank Zenith Credit Card
Annual Fee: Rs. 7,999
Key Highlights:
- Earn upto 10,000 bonus reward points when you spent Rs. 1 lakh within the first 60 days of activating your card.
- Earn 20 reward points for every Rs. 100 spent on dining.
- Enjoy 4 complimentary domestic airport lounge visits each calendar quarter.
- Receive air accident coverage of Rs. 2 crore.
AU Bank Vetta Credit Card
Annual Fee: Rs. 2,999
Key Highlights:
- Receive vouchers worth Rs. 2,000 when you spend Rs. 30,000 within the first 60 days of card activation.
- Earn 10 reward points for every Rs. 100 spent on utility bill payments.
- Get a Zomato Pro Annual Membership after spending Rs. 50,000 in one month.
- Earn 1,000 bonus reward points on your birthday after making one transaction.
AU Bank Altura Plus Credit Card
Annual Fee: Rs. 499
Key Highlights:
- Receive 1.5% cashback on POS transactions at partner merchant outlets.
- Earn 2x reward points on online spending.
- Receive 500 bonus reward points after spending Rs. 20,000 in one month.
- Enjoy 2 free railway lounge visits every calendar quarter in the following cities:
- New Delhi
- Kolkata (Sealdah)
- Jaipur
- Ahmedabad
- Agra
- Madurai
AU Bank Altura Credit Card
Annual Fee: Rs. 199
Key Highlights:
- Get 2% cashback on spending at grocery stores, departmental stores, and on utility bill payments.
- Enjoy a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.
- Receive Rs. 50 cashback when you spend a minimum of Rs. 10,000 in each billing cycle.
AU Bank LIT Credit Card
Annual Fee: Nil
Key Highlights:
- Earn 5X/10X reward points on domestic and international transactions, both online and offline.
- Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000.
- Get 5% cashback on groceries, dining, and travel, plus 1 reward point for every Rs. 100 spent.
- Enjoy up to four complimentary airport lounge visits annually.
- Receive 3 months of free membership for ZEE5, Cult.fit, and Amazon Prime.
All credit cards offered by AU Bank come with varying reward rates and offer different types of rewards, such as reward points, cashback, and more. The reward rate can also vary depending on the spending category, even with the same card. To better understand the rewards and cashback benefits of the top AU Bank Credit Cards, refer to the following table:
Credit CardRewards/Cashback
| Credit Card | Rewards/Cashback |
|---|---|
| AU Bank LIT Credit Card | 1 Reward Point for every Rs. 100 spent on retail purchases. 10X or 5X accelerated Reward Points. Additional cashback (for specific features). |
| AU Bank Altura Plus Credit Card | 1.5% cashback on POS transactions. 2x Reward Points on online transactions. |
| AU Bank Altura Credit Card | 2% cashback on groceries, departmental stores, and utility bill payments. 1% cashback on all other spending. |
| AU Bank Vetta Credit Card | 10 Reward Points for every Rs. 100 spent on utility bill payments. 4 Reward Points for every Rs. 100 spent at departmental stores and on groceries. 2 Reward Points for every Rs. 100 spent elsewhere. |
| ixigo AU Credit Card | 20 Reward Points for train bookings on ixigo, 10 Reward Points for online spending, and 5 Reward Points for offline spending. |
| AU Bank Zenith+ Credit Card | 2 Reward Points for every Rs. 100 spent on travel, dining, and international transactions. |
| AU Bank Zenith Credit Card | 20 Reward Points for every Rs. 100 spent at standalone restaurants. 10 Reward Points for every Rs. 100 spent at departmental stores, on groceries, and for international transactions. 5 Reward Points for every Rs. 100 spent elsewhere. |
Reward Redemption
The reward points accumulated by AU Bank credit cardholders can be redeemed through the AU Rewardz portal at a rate of 1 RP = Re. 0.25. These points can be redeemed against various categories, including:
- Flight/hotel bookings
- Gift vouchers
- Mobile/DTH recharge
- Merchandise
How to Apply Online
You can apply for a top AU Bank credit card online through Paisabazaar via a fully digital process. Follow these steps:
Step 1: Click here to access the application form and enter your mobile number to start the online application process.
Step 2: Enter the OTP received on your mobile number for verification.
Step 3: Review and compare the pre-qualified credit card offers you are eligible for, and select the one that best suits your needs.
Step 4: Complete the application for your chosen card by filling out the detailed form and submitting the required documents.
Frequently Asked Questions
Does AU Bank provide Lifetime Free Credit Cards?
Currently, AU Small Finance Bank offers InstaPay, Aditya Birla, and Xcite Credit Cards with a lifetime free option. You can also enjoy the lifetime free feature on other credit cards by meeting the required spending thresholds and fulfilling the necessary conditions.
.
Does AU Bank Credit Card offers Complimentary Airport and Railway Lounge?
For airport lounge access, consider the AU Bank Zenith Credit Card or AU Bank Vetta Credit Card.AU Bank Altura Credit Card does provide 2 complimentary railway lounge accesses every quarter.
.
Does AU Bank provide Credit Card to every Location?
AU Bank Credit Card is limited to selective Pin codes only.
Disclaimer: The views and opinions expressed are solely those of the author and do not necessarily reflect the official policy or position of Finostry. The information provided in this review is for informational purposes only and should not be considered as professional advice.