List of Best AU Credit Cards in India
The AU bank issues credit cards across entry-level and premium categories. All of these credit cards target different segments of individuals with different requirements and incomes. The following is the list of all the AU Bank Credit Cards. You can also find their detailed benefits and all other necessary information further in this article:
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForMovies | Travel | Dining | Fuel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
Welcome Benefits
N/A
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1.5% cashback on all POS retail spends, 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.
Welcome Benefits
N/A
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
5 Reward Points Per ₹200 On Online, Offline & UPI Transactions (Reward Rate – 1.25%)
Welcome Benefits
1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance
- Joining Fee₹249 + GST
- Annual Fee₹249 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
3 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries
Welcome Benefits
N/A
- Joining Fee₹2,000 + GST
- Annual Fee₹2,000 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
Earn 5 Reward Points Per ₹100 on Shopping, Dining & Travel Spends, 2 Reward Points Per ₹100 on Other Retail Spends, and 1 Reward Point Per ₹100 on Insurance, Utility & Telecom Spends
Welcome Benefits
8,000 Reward Points on Card Activation
- Joining Fee₹1,000 + GST
- Annual Fee₹1,000 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
5 Reward Points/₹100 spent on Grocery, Departmental Stores, and Contactless Payments, 2 Reward Points/₹100 Spent on All Other Retail Spends, and 1 Reward Point/₹100 Spent on Insurance, Utility & Telecom Spends
Welcome Benefits
Brand Vouchers Worth ₹1000 or 4,000 Reward Points
- Joining Fee₹500 + GST
- Annual Fee₹500 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
5 Reward Points/₹100 Spent via AU Rewardz on Flights, Hotels, Voucher Shopping, Bill Payments, etc, 1 Reward Point/₹100 Spent on All Other Categories
Welcome Benefits
Brand Vouchers Worth ₹500 or 2,000 Reward Points
- Joining Fee₹4,999 + GST
- Annual Fee₹4,999 + GST
- Best Suited ForTravel | Dining | Shopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, Offering a Reward Rate of Up to 2%. Other Eligible Spends Earn 1 Reward Point per ₹100 Spent, Offering a 1% Reward Rate
Welcome Benefits
Luxury Gift Vouchers or Reward Points Worth ₹5,000
- Joining Fee₹749 + GST
- Annual Fee₹749 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
1% cashback on monthly spends of Rs. 7,500, 2% cashback on monthly spends of Rs. 12,500, and 3% cashback on monthly spends of Rs. 20,000.
Welcome Benefits
N/A
- Joining FeeRs. 199 + GST
- Annual FeeRs. 199 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
Cashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.
Welcome Benefits
N/A
- Joining Fee₹749 + GST
- Annual Fee₹749 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
4 RPs on every offline spend of Rs. 100, 8 RPs on every online spend, and 12 RPs on every international spend of Rs. 100
Welcome Benefits
N/A
- Joining FeeRs. 199 + GST
- Annual FeeN/A
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 RPs/₹100 Spent on Retail and 1 RP/₹100 Spent on Utility and Insurance
Welcome Benefits
500 Reward Points
- Joining FeeRs. 299 + GST
- Annual FeeRs. 299 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
1% Cashback on All UPI Spends (Up to Rs. 500)
Welcome Benefits
N/A
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForBusiness Expenses
- Rewards TypeReward Points
Rewards Rate
8 Reward Points on Every ₹100 Spend on Dining, Travel, Tax Payments, and Software Purchase, 2 Reward Points on Every ₹100 for Other Purchases, and 1 Reward Point on Every ₹100 Spend on Utility and Insurance
Welcome Benefits
Receive 2,000 Reward Points on Spending of ₹5,000 and a Dining Membership on Spending of ₹10,000 within 30 days of Card Activation
- Joining FeeRs. 2,999 + GST
- Annual FeeRs. 2,999 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
4 RPs/₹100 Spent on Groceries & Departmental Spends. 2 RPs/₹100 on All Other Eligible Spends
Welcome Benefits
N/A
- Joining Fee₹100 + GST
- Annual Fee₹100 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points/₹100 on Contactless Transactions and 1 Reward Point/₹100 on all Other Spends
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
Welcome Benefits
N/A
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForUPI
- Rewards TypeReward Points
Rewards Rate
1.5% Cashback on Offline Spends Using the Kiwi App. Premium Users Get 5% Cashback on Every Purchase. Kiwi Rewards on Credit Card Spends Made Through UPI Scan & Pay Using the Kiwi App.
Welcome Benefits
N/A
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
24 CheQ Points/₹200 Spent on Apple, Amazon, Flipkart, Zomato, BigBasket, CheQ Travel, and Utility Bill Payments Through the CheQ App. Get 10 CheQ Points/₹200 Spent on Online Shopping, Food Delivery, Groceries, and Travel Bookings Across India’s Leading Brands, 5 CheQ Points/₹200 on CheQ UPI Transactions, 2 CheQ Points/₹200 for Other Spends
Welcome Benefits
Complimentary EazyDiner Membership for 3 months (Worth ₹695)
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
Earn 20 Fi Points/₹100 on Weekend Spending. 2 Fi Points/₹100 Weekday Spending
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Dining | Shopping | Business Expenses
- Rewards TypeReward Points
Rewards Rate
Each Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions
Welcome Benefits
Up to 1,000 Reward Points
- Joining FeeRs. 7,999 + GST
- Annual FeeRs. 7,999 + GST
- Best Suited ForTravel | Dining | Shopping
- Rewards TypeReward Points
Rewards Rate
5 Reward Point/₹100 Spent on Dining, International, and Grocery Spends (Reward Rate = 1.25%), and 3 Reward Points/₹100 Spent on All Other Spends Except Fuel (Reward Rate = 0.75%)
Welcome Benefits
Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.
- Joining Fee₹4,999 + GST
- Annual Fee₹4,999 + GST
- Best Suited ForTravel | International Spends
- Rewards TypeReward Points
Rewards Rate
4 RPs/₹100 Spent on International Spends, 2 RPs/₹100 Spent on Domestic Spends, and 1 RP/₹100 Spent on Insurance, Utility & Telecom Spends
Welcome Benefits
MakeMyTrip Voucher Worth ₹5,000 on Activation Within 30 Days
AU Credit Cards Features and Benefits
Though the number of credit cards in the AU Bank’s portfolio is smaller than that of other major card issuers, lots of people have found the best card for themselves out of these cards. Credit cards may have additional features and advantages, but these cards are definitely among the most popular ones in the market. The following are some generic benefits that the cardholders will get with almost all AU Bank Credit Cards:
- Welcome Benefits: Welcome benefits are offered to cardholders when they join the card membership. You will most likely receive the welcome privileges after paying the joining fee.
- Rewards: Different types of rewards might be offered with different AU Bank Credit Cards, and the reward rates can also vary according to categories.
- Travel Benefits: The cardholder can also get some exclusive travel benefits, such as complimentary lounge access, discounts on travel-related bookings, Priority Pass membership, and much more.
- Movie & Dining Benefits: Some AU Bank Cards also offer exciting offers and deals on dining and movies, which is incredibly beneficial for people who love spending on these things.
- Other Benefits: Other benefits that the AU Bank Credit Cardholders might get are a 1% fuel surcharge waiver, limited-period offers, insurance coverage, zero liability protection against lost cards, and purchase protection.
Top AU Bank Credit Cards
AU Bank offers a wide range of credit cards, all of which are strong options, as they come with several compelling advantages. The following are the seven top cards issued by AU Bank with their detailed benefits:
AU LIT Credit Card
The AU Bank also offers a customizable LIT Credit Card that provides you with the flexibility to choose the rewards and benefits that you want to get with your card. The card offers strong benefits across categories, including rewards, travel, and entertainment. The following are some of its key features:
- The base reward rate is 1 Reward Point on every ₹100. However, cardholders can choose to earn up to 10x Rewards or additional cashback.
- Up to 2 free domestic lounge access every quarter, i.e., 8 per year.
- 3 Months of complimentary membership to Zee5 and Amazon Prime.
- 1% fuel surcharge waiver.
AU Altura Plus
AU Bank Altura Plus Credit Card is a basic credit card from the bank with which you can earn cashback and reward points. The card also has exciting travel and milestone benefits. You can earn 1.5% cashback on POS transactions and 500 bonus Reward Points each quarter for achieving the spend milestone.
ixigo AU Credit Card
AU Small Finance Bank has launched its first co-branded travel credit card in partnership with ixigo. The ixigo AU Credit Card is available at zero joining and annual charges and offers customers a range of travel benefits. The card offers access to domestic and international airport lounges and railway lounges.
AU Altura Credit Card
The Altura Credit Card by AU Bank is an affordable option for beginners and offers cashback on all purchases. This card offers several features, including up to 2% cashback on every spend, Rs. 50 cashback on achieving the spend milestone every statement cycle and complimentary access to the railway lounge every quarter.
AU Vetta Credit Card
The AU Bank Vetta Credit Card is placed at a joining fee of Rs. 2,999, which can be waived depending on the basis of the amount that you spend within the first 90 days of the card issuance date. Along with providing reward points on almost all your spends, this card also offers exclusive welcome benefits, travel benefits, milestone benefits, and much more. For every Rs. 100 spent using your credit card, cardholders will get up to 10 Reward Points. Complimentary access to both international and domestic airport lounges is also included.
AU Zenith+ Credit Card
This is a premium credit card offered by AU Small Finance Bank and features exciting benefits for shoppers and travelers alike. As a welcome benefit (worth Rs. 5000), you get vouchers from luxury brands, 1000 RPs on spending Rs. 75,000 in the month, and complimentary Taj Epicure or Marriott Bonvoy memberships on spending Rs. 12 Lakhs in the year. You also get 16 complimentary domestic and international lounge access each year.
AU Zenith Credit Card
The AU Bank Zenith Credit Card, a super-premium credit card, comes with a joining fee of ₹7,999. With this card, for every Rs. 100 that cardholders spend using this card, they can earn up to 5 Reward Points. These points can be redeemed against various options available on the bank’s rewards portal.
AU Bank SwipeUp Platform
At the beginning of 2023, AU Bank launched the SwipeUp platform, a separate portal offering upgraded credit cards. Not only can AU Bank cardholders get an upgraded credit card, but also everyone can get an upgraded credit card there just by providing information about their existing credit card. Currently, the card issuer is offering three credit cards via the AU Bank’s SwipeUp portal, and all these cards are lifetime-free with some amazing benefits. The cards are listed below with their key features:
AU Bank Xcite Credit Card
The Xcite Credit Card is the most basic of the three cards and offers solid benefits across various categories. You get a reward rate of up to 15 Reward Points on every spend of Rs. 100, and these rewards are redeemable against a variety of options at a rate of 1 RP = Re. 0.25. Apart from this, you get free railway lounge access, purchase protection cover, exciting discounts on dining, and many more benefits.
AU Bank Xcite Ace Credit Card
The Xcite Ace Credit Card is a cashback card that offers up to 3% cashback on the basis of your total monthly spending. Apart from the cashback, you get free airport and railway lounge access every year. Another advantage is that you get complimentary insurance coverage worth up to Rs. 50 lakhs, purchase protection cover, 1% fuel surcharge waiver, and many more.
AU Bank Xcite Ultra Credit Card
The Xcite Ultra Credit Card is the premium card currently available on the SwipeUp platform. This card offers you up to 8 Reward Points on domestic purchases and up to 12 Reward Points on every international transaction of Rs. 100. Moreover, you can earn up to 8,000 bonus reward points every year on achieving the spend milestone. Apart from this, you get complimentary railway and airport lounge access for primary as well as add-on cardholders.
AU Credit Cards Rewards & Cashback
All credit cards offered by AU Bank have different reward rates and offer different types of rewards, such as reward points and cash back. Moreover, the reward rate can also be different on spends on different categories with the same card. To understand the rewards and cashback benefits of the top AU Bank Credit Cards, refer to the following table:
| Credit Card |
Rewards/Cashback |
| AU Bank LIT Credit Card |
- 1 Reward Point for every Rs. 100 spent on retail with the card.
- 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% cash back on groceries, departmental stores, and utility bill payments.
- 1% cashback on all other spends.
|
| AU Bank Vetta Credit Card |
- 10 Reward Points on every Rs. 100 spent on utility bill payments.
- 4 RPs on every Rs. 100 spent on departmental stores & groceries.
- 2 RPs on every Rs. 100 spent elsewhere.
|
| ixigo AU Credit Card |
- 5 RPs for every ₹200 spent on online, offline, and UPI transactions
|
| AU Bank Zenith+ Credit Card |
- Earn 2 RPs per Rs. 100 spent on travel, dining, and international spending.
|
| AU Bank Zenith Credit Card |
- 5 Reward Points per Rs. 100 spent at standalone restaurants, departmental stores, groceries, and international transactions.
- 3 RPs per Rs. 100 spent elsewhere.
|
Reward Redemption
The reward points that credit cardholders earn while they continue to spend on AU Bank credit cards are redeemable at the AU Rewardz portal at a rate of 1 RP = ₹0.25. The reward points can be redeemed against the following categories:
- Flight/hotel bookings
- Gift vouchers
- Mobile/DTH recharge
- Merchandise
Annual Fee
An essential element that differs from one card to another is the annual fee. Individuals with a high yearly income should apply for premium cards that are placed at a higher annual fee, and those who have an average income should opt for a card with a low annual fee. The annual fee for all the AU Bank Credit Cards is given below in the table:
| Credit Card |
Joining Fee |
Annual Fee |
| AU LIT Credit Card |
Nil |
Nil |
| AU Altura Plus Credit Card |
₹499 + GST |
₹499 + GST |
| ixigo AU Credit Card |
Lifetime Free |
Lifetime Free |
| AU Nomo Credit Card |
Rs. 199 + GST |
Nil |
| AU Altura Credit Card |
₹199 + GST |
₹199 + GST |
| AU Spont Card |
Rs. 299 + GST |
Rs. 299 + GST |
| AU Vetta Credit Card |
₹2,999 + GST |
₹2,999 + GST |
| AU Zenith+ Credit Card |
₹4,999 + GST |
₹4,999 + GST |
| AU InstaPay Credit Card |
Nil |
Nil |
| Aditya Birla AU Credit Cards |
Nil |
Nil |
| AU Zenith Credit Card |
₹7,999 + GST |
₹7,999 + GST |
Other Fees and Charges
Apart from this, there are many other charges, such as interest, cash withdrawal fees, forex fees, over-limit fees, late payment charges, and many more, which are associated with AU Bank Cards. A few key fees and charges are given below in the table:
| Interest Rate |
1.99% Per Month for Zenith and Zenith+, 3.49% Per Month for Vetta and SwipeUp Cards, and 3.59% Per Month for Altura, Altura Plus, LIT, Business Cashback, InstaPay, ABC FLEX, ABC NXT, ABC PRO, and ixigo AU |
| Cash Advance Fee |
2.5% of the Withdrawn Amount Subject to a Minimum of Rs. 100 (Zero for Zenith+) |
| Forex Markup Fee |
0.99% for Zenith+, 1.99% on Zenith, ABC PRO & ixigo AU, 2.99% on Vetta, and 3.49% on Other Cards |
AU Bank Credit Cards Eligibility Criteria
The following are the essential eligibility criteria that need to be fulfilled to get an AU bank credit card:
- The primary applicant should be 21 years or older.
- The add-on cardholder should be more than 18 years of age.
- The applicant should be an Indian resident.
- The applicant should have a stable source of income.
How To Activate AU Bank Credit Cards?
There are several ways in which you can activate your AU Bank Credit Card after receiving it. You can do the same using any one of the following methods:
- Log in to your AU Bank internet banking account, and under the Credit Card Management Tab, you will find an option to activate the credit card.
- You can also contact the AU Bank customer care number and request them to guide you through the activation process.
- If you find yourself unable to activate your card using both of the above methods, you can also visit your nearest AU Bank branch, and a bank official will help you get your card activated.
AU Bank Credit Cards Customer Care
In case of any doubts or queries related to your AU Bank Credit Cards, the bank’s customer care can be contacted through the following details:
- If you need emergency assistance, you can contact AU Bank Credit Card customer care at their 24*7 toll-free helpline number: 1800 1200 1500.
- The cardholders can also contact their card issuer via mail at creditcard.support@aubank.in.
Bottom Line
AU Small Finance Bank has a wide range of credit cards for all age groups. Whether a millennial or Gen Z, you can find the perfect card with AU Bank. The bank has also come up with an exceptional range of cards that you can customize according to your own needs. In addition, they recently introduced virtual RuPay credit cards, providing further convenience for customers. The Insta Pay Credit Card provides cashback on UPI spends.
With AU Bank, you can find a card that fits your needs, whether you want a lifetime free card or a luxury card.
