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AU Small Finance Bank

Updated on · By Ankur Mittal

AU Small Finance Bank is an Indian private sector bank founded in 1996. The bank has branches across 21 states and three union territories in India, with over 30,000 employees. With a customer base of lakhs of people across the country, the AU Small Finance Bank has the maximum number of branches in Rajasthan, its home state. Along with all its outstanding services, it offers several exclusive credit cards in different categories. Very soon after starting its banking and card services, the AU Bank became a major card issuer in the country and is now trusted by thousands of individuals. As of March 2026, AU Bank has more than 10 lakh active and outstanding credit cards in the country. This is still a considerable achievement as AU Bank only issues one credit card per customer. AU Bank also has a great initiative to offer upgraded credit cards not only to AU Bank customers but to others as well. The card issuer has also launched the SwipeUp platform, where you can get upgraded credit cards with a better credit limit, better rewards, and more benefits. Further in this article, we will discuss in detail the credit cards that AU Bank has issued, and then you can find the best one for yourself.

AU Credit Cards

On This Page — Jump to a Card

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:

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Movies | Travel | Dining | Fuel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate1.5% cashback on all POS retail spends, 1 Reward Point per Rs. 100 spent after reaching the maximum cashback limit.

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Travel
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 Reward Points Per ₹200 On Online, Offline & UPI Transactions (Reward Rate – 1.25%)

Welcome Benefits1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance

Apply NowView Details
Joining Fee
₹249 + GST
Annual Fee
₹249 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate3 Reward Points on every retail spend of Rs. 100 and 15 Reward Points on dining, movies, departmental stores, and groceries

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹2,000 + GST
Annual Fee
₹2,000 + GST
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards RateEarn 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 Benefits8,000 Reward Points on Card Activation

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 Reward Points Per ₹100 on Paytm Travel and Paytm Gold Spends. 1 Reward Point per ₹100 Spent Online and Offline

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹1,000 + GST
Annual Fee
₹1,000 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 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 BenefitsBrand Vouchers Worth ₹1000 or 4,000 Reward Points

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Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 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 BenefitsBrand Vouchers Worth ₹500 or 2,000 Reward Points

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Joining Fee
₹4,999 + GST
Annual Fee
₹4,999 + GST
Best Suited For
Travel | Dining | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate2 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 BenefitsLuxury Gift Vouchers or Reward Points Worth ₹5,000

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Joining Fee
₹749 + GST
Annual Fee
₹749 + GST
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate1% 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 BenefitsN/A

Apply NowView Details
Joining Fee
Rs. 199 + GST
Annual Fee
Rs. 199 + GST
Best Suited For
Shopping
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards RateCashback of 2% on utility bills, groceries, and departmental stores and cashback of 1% on all other spends.

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹749 + GST
Annual Fee
₹749 + GST
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate4 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 BenefitsN/A

Apply NowView Details
Joining Fee
Rs. 199 + GST
Annual Fee
N/A
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate2 RPs/₹100 Spent on Retail and 1 RP/₹100 Spent on Utility and Insurance

Welcome Benefits500 Reward Points

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Joining Fee
Rs. 299 + GST
Annual Fee
Rs. 299 + GST
Best Suited For
Shopping
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate1% Cashback on All UPI Spends (Up to Rs. 500)

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Business Expenses
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate8 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 BenefitsReceive 2,000 Reward Points on Spending of ₹5,000 and a Dining Membership on Spending of ₹10,000 within 30 days of Card Activation

Apply NowView Details
Joining Fee
Rs. 2,999 + GST
Annual Fee
Rs. 2,999 + GST
Best Suited For
Travel | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate4 RPs/₹100 Spent on Groceries & Departmental Spends. 2 RPs/₹100 on All Other Eligible Spends

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
₹100 + GST
Annual Fee
₹100 + GST
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate2 Reward Points/₹100 on Contactless Transactions and 1 Reward Point/₹100 on all Other Spends

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Nil
Annual Fee
Nil
Best Suited For
Shopping
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
UPI
Rewards Type
Cashback
Rewards rate and welcome benefits

Rewards Rate1.5% Cashback on UPI Scan & Pay Transactions and 0.5% Cashback on Online and Offline Spends

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate8% Zagg Coins on zagg.money UPI When Spends Through zagg.money Exceed ₹10,000 In A Statement Cycle (RuPay Variant); 4% Zagg Coins on zagg.money UPI Spends (RuPay Variant); 8% Zagg Coins on Tap & Pay Transactions Between ₹500 and ₹5,000 (Visa Variant)

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate24 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 BenefitsN/A

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards RateEarn 20 Fi Points/₹100 on Weekend Spending. 2 Fi Points/₹100 Weekday Spending

Welcome BenefitsN/A

Apply NowView Details
Joining Fee
Nil
Annual Fee
Nil
Best Suited For
Travel | Dining | Shopping | Business Expenses
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards RateEach Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions

Welcome BenefitsUp to 1,000 Reward Points

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Joining Fee
Rs. 7,999 + GST
Annual Fee
Rs. 7,999 + GST
Best Suited For
Travel | Dining | Shopping
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate5 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 BenefitsRs. 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.

Apply NowView Details
Joining Fee
₹4,999 + GST
Annual Fee
₹4,999 + GST
Best Suited For
Travel | International Spends
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate4 RPs/₹100 Spent on International Spends, 2 RPs/₹100 Spent on Domestic Spends, and 1 RP/₹100 Spent on Insurance, Utility & Telecom Spends

Welcome BenefitsMakeMyTrip Voucher Worth ₹5,000 on Activation Within 30 Days

Apply NowView Details
Joining Fee
Lifetime Free
Annual Fee
Lifetime Free
Best Suited For
Business Expenses
Rewards Type
Reward Points
Rewards rate and welcome benefits

Rewards Rate8 Reward Points Per ₹100 Spent on Dining, Travel, Tax Payments and Software Purchases; 2 Reward Points Per ₹100 Spent on Retail Categories; 1 Reward Point per ₹100 Spent on Utility, Telecom and Insurance Spends

Welcome Benefits2000 Bonus Reward Points on Spending ₹5000 within 30 Days of Card Activation and SwiggyOne Quarterly Dining Membership on Spending ₹10,000 Within 30 Days of Card Activation

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.

Quick Links

Frequently Asked Questions

Does the AU Bank issue any lifetime free credit cards?

Currently, AU Small Finance Bank provides InstaPay, Aditya Birla, and ixigo AU Credit Cards as a lifetime free card. You can also avail yourself of a lifetime free feature for other credit cards while achieving the required spending threshold and fulfilling the necessary requirements.

Does the AU bank Altura Credit Card provide complimentary airport lounge access?

No, the AU bank Altura Credit Card doesn’t provide airport lounge access, but it offers you 2 complimentary railway lounge access every quarter. For airport lounge access, you can check one of the following cards: AU Bank Zenith+ Credit Card or AU Bank Vetta Credit Card.

Can I redeem my AU Bank Credit Card reward points against flight/hotel bookings?

Yes, you can redeem your earned reward points against flight/hotel bookings at a rate of 1 RP = ₹0.25.

Do I get zero liability protection against lost cards on my AU Bank Credit Card?

Yes, the AU Bank provides its customers with zero liability protection against a lost/stolen card. You will not be responsible for any unauthorized transaction made on a lost card once you report the loss of your card to the bank.

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