AU Credit Cards: Features, Benefits, Eligibility, and How to Apply
AU Small Finance Bank offers a wide range of credit cards designed for different lifestyles and spending habits. Whether you are a first-time credit card user or someone looking for premium travel and lifestyle benefits, AU Bank has multiple options to choose from. Its credit card portfolio includes cashback, rewards, travel, business, and premium cards, allowing customers to select a card that matches their financial needs.
Apart from everyday payment convenience, AU credit cards also provide value-added features such as reward points, contactless payments, EMI conversion, instant loan facilities, and exclusive merchant offers. With digital services and a simple application process, AU Bank has become a popular choice among customers looking for a modern credit card experience.
AU Bank Credit Cards Comparison
| Credit Card | Best For | Joining / Annual Fee | Key Benefits | Lounge Access | Reward Program | RatingOK Recommendation |
|---|---|---|---|---|---|---|
| AU Zenith+ Credit Card | Premium lifestyle & travel | ₹4,999 / ₹4,999 | Metal card, premium travel benefits, Taj Epicure membership, accelerated rewards | Domestic & International | AU Rewardz | ★★★★★ |
| AU Zenith Credit Card | Luxury travel | ₹7,999 / ₹7,999 | Luxury hotel benefits, concierge service, low forex markup | Domestic & International | AU Rewardz | ★★★★★ |
| AU Vetta Credit Card | Lifestyle & rewards | ₹2,999 / ₹2,999 | Quarterly milestone rewards, premium shopping & dining benefits | Yes | AU Rewardz | ★★★★☆ |
| AU LIT Credit Card | Customizable benefits | Lifetime Free | Choose cashback, travel or rewards as per your needs | Optional | AU Rewardz | ★★★★★ |
| AU Altura Plus Credit Card | Shopping & rewards | ₹499 / ₹499 | Reward points, cashback and milestone benefits | No | AU Rewardz | ★★★★☆ |
| AU Altura Credit Card | Everyday spending | ₹199 / ₹199 | Cashback on shopping with milestone rewards | No | AU Rewardz | ★★★★☆ |
| ixigo AU Credit Card | Travel & zero forex | ₹999 / ₹999 | Zero forex markup, travel rewards, railway & airport benefits | Yes | AU Rewardz | ★★★★★ |
| Paytm AU Credit Card | Paytm users | Varies | Rewards on Paytm UPI, travel and gold purchases | Yes | AU Rewardz | ★★★★☆ |
| CheQ AU Credit Card | Online shopping & UPI | Varies | High rewards on CheQ UPI and partner brands | No | AU Rewardz | ★★★★☆ |
| AU Spont Credit Card | UPI payments | ₹299 / ₹299 | Coins on UPI spends, cashback and milestone rewards | No | AU Rewardz | ★★★★☆ |
Key Features of AU Credit Cards
Although every AU credit card offers different benefits, several features are available across most cards.
- Earn reward points on eligible online and offline purchases.
- Contactless payment for faster and safer transactions.
- Convert eligible purchases into easy monthly EMIs.
- Instant Xpress Loan facility for eligible cardholders.
- Get exclusive offers on dining, shopping, and travel.
- Digital card management through the AU 0101 mobile app.
- Add-on cards for eligible family members.
- Zero liability protection against unauthorized transactions, subject to the bank's terms and conditions.
AU Rewardz Program
Most AU credit cards are linked to the AU Rewardz program. Every eligible purchase helps you earn reward points, which can later be redeemed through the Rewardz portal. Depending on the card variant, reward points can be used for:
- Gift vouchers
- Merchandise
- Flight bookings
- Hotel reservations
- Lifestyle products
- Other available redemption options
For example, if you regularly use your credit card for grocery shopping, fuel, utility bill payments, and online purchases, your reward points continue to accumulate throughout the year and can be redeemed to reduce future expenses.
Flexible Payment Options
AU Bank offers multiple payment solutions to help customers manage larger expenses comfortably.
- EMI Conversion: If you make a high-value purchase, you may be able to convert the transaction into affordable monthly installments instead of paying the entire amount at once. This feature is useful for electronics, furniture, travel bookings, and other major purchases.
- Xpress Loan: Eligible customers can also apply for an instant loan against their available credit limit. The loan amount is credited quickly and can be repaid over a selected tenure, making it useful during medical emergencies, education expenses, home renovation, or other urgent financial needs.
Security and Digital Banking
AU Bank focuses on providing secure digital banking services to its credit card customers.
Some commonly available security features include:
- EMV chip-enabled cards
- Contactless payment technology
- OTP authentication for online transactions
- Card blocking and management through the mobile app
- Transaction alerts via SMS and email
These features help improve transaction security while giving customers greater control over their credit cards.
Quick Comparison
| Category | Best AU Bank Credit Card |
|---|---|
| Best Overall | AU Zenith+ Credit Card |
| Best Premium Card | AU Zenith Credit Card |
| Best Travel Card | ixigo AU Credit Card |
| Best Lifetime Free Card | AU LIT Credit Card |
| Best Rewards Card | AU Zenith+ Credit Card |
| Best Shopping Card | AU Altura Plus Credit Card |
| Best UPI Credit Card | AU Spont Credit Card |
| Best for Paytm Users | Paytm AU Credit Card |
| Best for Beginners | AU Altura Credit Card |
| Best Value for Money | AU LIT Credit Card |
AU Credit Card Fees and Charges
| Fee Type | Typical Charges |
|---|---|
| Joining Fee | Depends on the card variant |
| Annual Fee | Varies by card |
| Finance Charges | Approximately 1.99% to 3.75% per month |
| Cash Withdrawal Fee | Around 2.5% of the withdrawn amount |
| Foreign Currency Markup | Generally 1% to 3.5% |
| Late Payment Charges | Based on the outstanding balance |
Eligibility Criteria
To apply for an AU Bank credit card, applicants generally need to meet the following requirements:
| Requirement | Details |
|---|---|
| Age | Usually 21 to 60 years |
| Employment | Salaried or self-employed |
| Income | Stable source of income |
| Credit Score | Good repayment history is preferred |
| Nationality | Indian resident (as per bank eligibility) |
Meeting the minimum eligibility requirements does not guarantee approval. The bank also evaluates income, repayment capacity, credit history, and internal policies before issuing a credit card.
Documents Required
Keep the following documents ready before you apply:
- PAN Card
- Aadhaar Card, Passport, Driving Licence, or Voter ID
- Recent address proof
- Salary slips or income proof
- Recent bank statements (if required)
- Passport-size photograph (where applicable)
The bank may request additional documents depending on the selected credit card.
Simple Steps to Apply for an AU Credit Card
Applying online is simple and usually takes only a few minutes.
- Visit the AU Small Finance Bank website.
- Open the Credit Cards section.
- Compare the available credit cards.
- Select the card that best suits your spending needs.
- Click Apply Now.
- Fill in the online application form.
- Upload the required documents.
- Submit the application for verification.
Once your application is submitted, AU Bank reviews the details and may contact you for additional verification before making the final decision.
Why Choose an AU Credit Card?
AU Bank offers credit cards for a wide range of customers, including beginners, salaried professionals, business owners, frequent travellers, and premium users. Instead of offering a one-size-fits-all solution, the bank provides different cards based on spending preferences and lifestyle.
Customers can benefit from rewards on everyday spending, flexible EMI options, digital banking services, merchant discounts, and secure payment features. Whether you frequently shop online, travel regularly, or simply want a reliable credit card for daily expenses, AU Bank has options that suit different financial goals.
Should You Get an AU Bank Credit Card?
AU Small Finance Bank has built a strong credit card portfolio that combines rewards, convenience, and modern digital banking features. From entry-level cards to premium lifestyle options, customers can choose a card based on their spending habits, budget, and financial requirements.
Before applying, compare the annual fee, eligibility criteria, rewards program, and additional benefits to select the most suitable credit card. Using your AU credit card responsibly and paying dues on time can help you maximize rewards while maintaining a healthy credit profile.
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Frequently Asked Questions
- Which AU Credit Card is the best for me?
The best AU Credit Card depends on how you spend money. For example, if you travel often and book through Ixigo, the ixigo AU Credit Card can help you save on travel. If you spend more on shopping or daily expenses, other AU cards may be a better choice.
- Do AU Credit Cards offer airport lounge access?
Yes, many AU credit cards provide domestic or international airport lounge access. Some cards may require you to spend a certain amount in the previous quarter to use this benefit.
- Does AU Bank offer lifetime free credit cards?
Some AU credit cards may be available as lifetime free. In many cases, the annual fee can also be waived if you spend a certain amount in a year.
- How do AU Credit Card reward points work and how can I redeem them?
AU Credit Cards give reward points on both online and offline purchases through the AU Rewardz program. You can redeem these points through internet banking or the mobile app for vouchers, travel bookings, and other rewards.
- Does AU Bank provide RuPay credit cards?
Yes, AU Bank offers RuPay credit cards such as the AU InstaPay RuPay Credit Card. These cards can also be used for UPI payments.
- How can I increase my AU Credit Card limit?
You can request a credit limit increase by contacting AU Bank customer support. The bank will check your income, repayment history, and credit profile before approving the request.
- How can I check my AU Credit Card application status?
After applying, the bank usually sends updates through SMS or email. You can also track the status online or contact customer support using your application reference number.
- What should I do if my AU Credit Card is lost or stolen?
You should report the lost or stolen card to the bank immediately. Once you report it, you will not be responsible for any unauthorized transactions made on the card.
- How can I manage or close my AU Credit Card?
You can manage your credit card through the AU Bank mobile app or internet banking. If you want to close your card, you can contact customer care or visit the nearest AU Bank branch.
- How can I contact AU Credit Card customer care?
You can call AU Bank Credit Card customer care at 1800 1200 1500 or email creditcard.support@aubank.in
for any credit card related queries.