AU Small Finance Bank Credit Cards
AU Small Finance Bank is a private sector bank in India that started in 1996. Today, it operates in 21 states and 3 union territories and has more than 30,000 employees. The bank serves lakhs of customers across the country and has a strong presence in Rajasthan, its home state. Along with normal banking services, AU Bank also offers different credit cards for various spending needs, and many people trust these cards for daily use.
To give customers better benefits, AU Bank has also launched the SwipeUp platform. With this platform, users can easily upgrade their credit cards and get a higher credit limit, better rewards, and more benefits. AU Bank credit cards also provide features like cashback, reward points, lounge access, and discounts on shopping and travel. Here, we will look at the different AU Bank credit cards and help you choose the right one for your needs.
Top AU Bank Credit Cards You Can Get in India
AU Bank provides credit cards to suit different income levels and spending needs, from simple cards for everyday use to premium cards with extra benefits. Below is the list of AU Bank credit cards, and you can check their features and benefits in detail later.
AU Credit Cards: Features, Benefits, and How to Apply
AU Small Finance Bank offers a range of credit cards designed to match different spending habits and financial needs. Whether you want a credit card for everyday shopping, travel bookings, or lifestyle benefits, AU Bank provides several options that can suit both beginners and experienced card users. From basic cards with simple benefits to premium cards with travel and lifestyle perks, customers can easily choose a card that fits their needs.
Many AU credit cards also come with rewards, flexible payment options, and extra protection features. These benefits help cardholders not only make payments conveniently but also earn rewards and manage their expenses in a smarter way. If you regularly use your credit card for online shopping, bill payments, or travel bookings, these features can add extra value to your everyday spending.
Common Features Available on AU Credit Cards
Although each AU credit card has its own benefits, many features are commonly available across most cards. These features are designed to make spending more rewarding and flexible for cardholders.
- Earn reward points on online and offline purchases
- Redeem points for travel bookings, vouchers, or merchandise
- Convert large purchases into easy monthly EMIs
- Get instant loan options in urgent situations
- Enjoy device protection benefits on electronic purchases
- Access travel and lifestyle offers on selected cards
Because of these benefits, AU credit cards are often used for everyday payments like shopping, dining, travel bookings, and bill payments.
How AU Reward Points Help You Save
The AU Rewardz program is a loyalty program offered with AU credit cards. When you use your credit card for purchases, you earn reward points on those transactions. Over time, these points keep adding up and can be redeemed for different rewards.
You can use the reward points for flight bookings, hotel stays, movie tickets, gift vouchers, or other items available in the AU Rewardz catalogue. For example, if you spend around ₹20,000 in a month on groceries, online shopping, or bill payments, you will earn reward points that can later be used to redeem vouchers or reduce the cost of travel bookings.
Flexible Spending with Xpress Loan and EMI
AU Bank also offers flexible payment features that help customers manage large expenses more easily. Two useful options are Xpress Loan and Xpress EMI, which provide financial flexibility when needed.
The Xpress Loan facility allows eligible cardholders to take an instant loan directly through their credit card. This can be useful during emergencies such as medical expenses, urgent travel plans, or unexpected household costs. The loan can usually be repaid in flexible tenures ranging from 6 to 36 months.
The Xpress EMI feature helps convert large purchases into monthly installments. For example, if you purchase a laptop worth ₹40,000 using your credit card, you can convert that amount into EMIs instead of paying the entire amount at once. This makes it easier to manage your monthly budget without financial pressure.
Extra Security with Device Protection
Another useful benefit of AU credit cards is the Device Protection Plan. If you buy a smartphone, tablet, or some electronic products using the credit card, you may get protection such as screen damage cover or extended warranty for a limited time. This can help reduce repair costs if the device gets damaged during the covered period.
Important Fees and Charges
Like any other credit card, AU credit cards also include certain fees and charges. These charges may vary depending on the card variant and its features.
| Fee Type | Typical Charges |
|---|---|
| Joining / Annual Fee | Depends on the credit card variant |
| Interest on Outstanding Balance | Around 1.99% to 3.75% per month |
| Cash Withdrawal Fee | Approximately 2.5% of the withdrawn amount |
| Late Payment Charges | Depends on the outstanding balance |
| Foreign Transaction Fee | Usually between 1% and 3.5% |
Understanding these charges before applying for a credit card helps you use it responsibly and avoid unnecessary costs.
Eligibility Criteria for AU Credit Cards
To apply for an AU credit card, applicants must meet the bank’s basic eligibility requirements. These criteria ensure that the applicant can manage credit responsibly.
- Age should be between 21 and 60 years
- Add-on cardholders must be at least 18 years old
- Both salaried and self-employed individuals can apply
- Applicants should have a stable income source
- The minimum income needed may be different for each credit card
The bank may also evaluate your credit score and financial history before approving the credit card application.
Documents Required for Application
Applicants are usually required to submit a few basic documents during the credit card application process.
- Identity proof such as Aadhaar Card, PAN Card, or Passport
- Address proof for residential verification
- Income proof such as salary slips or bank statements
How to Apply for an AU Credit Card Online
Applying for an AU credit card online is a simple and quick process that can be completed in just a few steps.
- Visit the official AU Small Finance Bank website.
- Go to the Cards section and select Credit Cards.
- Browse through the available credit card options.
- Choose the card that matches your spending needs.
- Click on the Apply Now button.
- Enter your details in the online application form.
- Upload the required documents for verification.
- Submit the application and note the reference number for tracking.
After submitting the application, the bank reviews your details and verifies your documents. If the application is approved, the bank will contact you to complete the remaining formalities and deliver your credit card.
Why Many Customers Choose AU Credit Cards
AU credit cards are becoming increasingly popular because they offer a balanced mix of rewards, flexibility, and convenience. Many users prefer these cards for everyday spending such as shopping, dining, travel bookings, and online payments.
For example, a person who travels frequently may benefit from travel-related rewards and lounge access, while someone who spends more on groceries and online shopping may benefit from reward points or cashback. Because AU Bank offers different card types, customers can choose the one that best matches their lifestyle.
Another reason for their growing popularity is the availability of flexible features like EMI conversion, instant loans, and device protection. These features help cardholders manage their expenses efficiently while enjoying additional benefits.
Bottom Line
AU Small Finance Bank offers a variety of credit cards designed to meet different financial needs and lifestyles. Whether you are looking for a basic card for everyday expenses or a premium card with travel and lifestyle benefits, there are multiple options available to choose from.
With features such as reward points, EMI options, device protection, and flexible loan facilities, AU credit cards can provide significant value when used wisely. By selecting the right card and using it responsibly, you can enjoy rewards, manage your expenses better, and make your everyday spending more beneficial.
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.