AU Small Finance Bank Credit Cards

AU Credit Cards Features and Benefits

Though the number of credit cards in the AU Bank’s portfolio is lesser as compared to other major card issuers, lots of people have found the best card for themselves out of these cards only. Credit cards may have additional features and advantages, but these cards are definitely among the most popular ones in the market. The below-mentioned are some generic benefits that the cardholders will get with almost all AU Bank Credit Cards:

• Welcome Benefits: Welcome benefits are offered to the cardholders while joining the card membership. You will most probably get 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 & movies and are incredibly beneficial for people who love spending on these things.
• Other Benefits: Other benefits that the AU Bank Credit Cardholders might get are a fuel surcharge waiver of 1%, limited period offers, insurance covers, zero liability protection against lost cards, etc.

Top AU Bank Credit Cards

AU Bank currently offers 8 credit cards, and all of these can be considered great offerings as the cards come with several exciting advantages. Following are the six top cards issued by the AU Bank with their detailed benefits:

AU Bank LIT Credit Card

The AU Bank also offers a customizable LIT Credit Card that provides you with the flexibility to choose rewards and benefits that you want to get with your card. The card offers great benefits across different categories, including rewards, travel, entertainment, etc. The following are some of its key features:

• The base reward rate is 1 reward Point on every spend of Rs. 100. However, cardholders can choose to earn up to 0x Rewards or additional cashback.
• 4 free domestic lounge access every quarter, i.e. 16 per year.
• 3 Months of complimentary Membership of Zee5 and Amazon Prime.
• 1% fuel surcharge waiver.

AU Bank Altura Credit Card

An entry-level and pocket-friendly credit card by the AU Bank, the AU Bank Altura Credit Card is placed at an affordable joining fee of Rs. 199 and earns you cash back on all your purchases. Some of the key features of this card include:

• Get a 5% cashback on all spends worth exceeding Rs. 2,500 within the first 60 days.
• Get a cashback of up to 2% on all your spends.
• Get Rs. 50 cashback every statement cycle on achieving the spend milestone.
• Get complimentary access to the railway lounge every quarter.

AU Bank Altura Plus Credit Card

Au Bank Altura Plus Credit Card is a basic credit card by the bank which is placed at a nominal joining fee of Rs. 499. It welcomes its customers with an exclusive gift voucher. Moreover, you can earn reward points as well as cashback on your transactions using it. Moreover, the card also has exciting travel and milestone benefits. You can refer to the below-mention points to know some of its key features:

• If you spend an amount exceeding Rs. 10,000 using your credit card in the first 60 days of the card issuance date, you will get a gift voucher worth Rs. 500 as a welcome benefit.
• Get a cashback of 1.5% on POS transactions.
• For every Rs. 100 spent using this card, you will get up to 2 Reward Points.
• Earn 500 bonus Reward points each quarter on achieving the spend milestone.
• Get complimentary railway lounge access.

AU Bank 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. Following are some of its key features:

• Welcome gift voucher worth Rs. 2,000 on spending Rs. 30,000 or more within the first 60 days.
• For every Rs. 100 spent using your credit card, cardholders will get up to 10 Reward Points.
• Complimentary access to international as well as domestic airport lounges.
• Complimentary Zomato pro membership on spending Rs. 50,000 or more in a calendar month.
• Insurance benefits worth up to Rs. 50 lakhs.

AU Bank Zenith+ Credit Card

AU Bank Zenith Plus Credit Card comes at a joining fee of Rs. 4999. This is a premium credit card offered by AU Small Finance Bank and has some exciting features for shoppers and travellers alike. Here are a few benefits of the AU Bank Zenith + Credit Card.

• Get vouchers from luxury brands as a welcome benefit (worth Rs. 5000)
• 1 RP per Rs. 100 spent and 2 RPs on international, dining, and travel spends
• 1000 RPs on spends of Rs. 75,000 in the month
• Complimentary Taj Epicure or Marriott Bonvoy membership on spending Rs. 12 Lakhs in the year
• 16 complimentary domestic and international lounge access

AU Bank Zenith Credit Card

A super-premium credit card by AU Bank, the AU Bank Zenith Credit Card is placed at a joining fee of Rs. 7,999 and welcomes its customers with several exciting benefits, including complimentary Zomato pro membership. With this card, for every Rs. 100 that cardholders spend using this card, they can earn up to 20 Reward Points these points can be redeemed against an array of options available on the bank’s rewards portal. To know some of the key benefits of this card, refer to the following points:

• Welcome gift voucher worth Rs. 1,000 on the first POS transaction.
• Complimentary Zomato pro membership on 5 successful retail transactions.
• For every Rs. 100 spent using this credit card, you will earn up to 20 Reward Points.
• Complimentary Taj Epicure membership on achieving the milestone spend.
• Complimentary domestic as well as international lounge access.

AU Credit Cards Rewards & Cashback

All credit cards offered by the AU Bank come with different reward rates and provide different types of rewards, such as reward points, cashback, etc. 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:

Reward Redemption

The reward points that credit cardholders earn while they continue to spend AU Bank credit cards are redeemable at the AU Rewardz portal at a rate of 1 RP = Re. 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 the other 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 of all the AU Bank Credit Cards is given below in the table:

Other Fees and Charges

Apart from this, there are many other charges such as interest, cash withdrawal fee, forex fee, over-limit fee, late payments charges, and many more, which are associated with AU Bank Cards. A few key fees and charges are given below in the table:

AU Bank Credit Cards Eligibility Criteria

The following are the basic eligibility criteria that need to be fulfilled to get an AU bank credit card:

• The primary applicant should be of 21 years or more in age.
• 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.

Documents Required

The applicants will also need a few documents while applying for the AU Bank Credit Cards. Following is the list of all documents that are required to apply for AU Bank Credit Card:

• ID Proof: Aadhar card, Passport, voter card, PAN card, driving license, etc.
• Address Proof: Voter Card, Aadhar Card, passport, electricity/telephone bill, driving license, etc.
• Income Proof: Salary Slip or audited ITR.

How To Apply for AU Bank Credit Cards?

Following are the steps to follow in order to apply for an AU Small Finance Bank Credit Card:

• Visit the AU bank’s official website.
• Under the section ‘cards,’ choose ‘Credit Cards.’
• Select the card you want to apply for and click on view details.
• Click on ‘apply now.’
• Punch in your mobile number and the OTP for verification.
• Click on proceed further once you have filled in all the required details.

Application Status for AU Bank Credit Card

The individuals who have already applied for an AU Bank Credit Card can be tracked by getting in touch with customer care or by paying a visit to the nearest bank branch. They might need details like their application number, registered mobile number, PAN Card number, etc.

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:

• Login 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 the bank official will help you get your card activated.

AU Bank SwipeUp Platform

AU Bank, at the beginning of the year 2023, came up with the SwipeUp platform, which is a separate portal to offer upgrade credit cards. Not only AU Bank cardholders, but everyone can get an upgraded credit card there just by providing the information of 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 one out of the three cards and it comes with some decent benefits across different 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. Read more about the card here.

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 spends. Apart from the cashback, you get free airport as well as railway lounge access every year. talking about its other advantages, you get complimentary insurance cover worth up to Rs. 50 lakhs, purchase protection cover, 1% fuel surcharge waiver, and many more. You can read more about this card here.

AU Bank Xcite Ultra Credit Card

The Xcite Ultra Credit Card is the most premium card currently being offered 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. To read more about this card, click here.

AU Bank Credit Cards Customer Care

In case of any doubts or queries related to your AU Bank Credit Cards, bank’s customer care can be contacted through the following details:

• In case of any emergency assistance that you need, you can contact the AU Bank Credit Card customer care via call on their 24*7 toll-free helpline number 1800 1200 1500.
• The cardholders can also contact their card issuer via mail at [email protected].

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 which you can customise according to your own needs. Not only this but recently, they have also introduced virtual Rupay credit cards, which provide further ease and convenience to 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.

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