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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 February 2024, AU Bank has more than 9.1 lakh active and outstanding credit cards in the country. AU Bank also has a really 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 Small Finance Bank Credit Cards
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List of Best AU Bank Credit Cards in India

The AU bank currently issues ten credit cards ranging from entry-level to premium categories. All of these credit cards target different segments of individuals having 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:

AU Bank LIT Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

N/A
AU Bank Altura Plus Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A
ixigo AU Credit Card

(4.4/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance
AU Nomo Credit Card

(4.7/5)

Fees

Joining Fee

Rs. 199 + GST

Renewal Fee

N/A

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

500 Reward Points
AU Bank Altura Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A
AU Bank Vetta Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 2,999 + GST

Renewal Fee

Rs. 2,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

N/A
AU-Metal-Zenith

(4.6/5)

Fees

Joining Fee

Rs. 4999 + GST

Renewal Fee

Rs. 4999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Gift voucher worth Rs. 5000 from Taj Hotels, Tata Cliq, Michael Kors, or other luxury brands. Customers can even opt for 5000 RPs as welcome benefit.
AU-Bank-Xcite-Ace-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA
AU Bank Xcite Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA
AU-Bank-Xcite-Ultra-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

NA
AU-Bank-InstaPay-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A
AU-Bank-ABC-Flex-Credit-Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Up to 1,000 Reward Points
AU Bank Zenith Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 7,999 + GST

Renewal Fee

Rs. 7,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

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.

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 offers a wide range of useful credit cards, and all of these can be considered great offerings as the cards come with several exciting advantages. Following are the seven top cards issued by 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 the 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 Plus Credit Card

AU Bank Altura Plus Credit Card is a basic credit card by the bank with which you can earn cashback and reward points. Moreover, the card also has exciting travel and milestone benefits.

Get a cashback of 1.5% on POS transactions and earn 500 bonus Reward points each quarter on achieving the spend milestone.

ixigo AU Credit Card

AU Small Finance Bank has recently launched its first co-branded travel credit card in partnership with ixigo. The ixigo AU Credit Card is available for a reasonable joining fee of Rs. 999 and offers customers a range of travel benefits. If you make a transaction of Rs. 1,000 in the first 30 days of card issuance, you can waive the joining fees. The card offers access to domestic and international airport lounges as well as railway lounges.

AU Bank Altura Credit Card

The Altura Credit Card by AU Bank is an affordable option for beginners and offers cashback on all purchases. This card comes with several features, such as a cashback of up to 2% on every spend, Rs. 50 cashback on achieving the spend milestone every statement cycle and complimentary access to the railway lounge every quarter.

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. 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 Bank Zenith+ Credit Card

This is a premium credit card offered by AU Small Finance Bank and has some exciting features for shoppers and travelers alike. Get vouchers from luxury brands as a welcome benefit (worth Rs. 5000), 1000 RPs on spends of Rs. 75,000 in the month, and complimentary Taj Epicure or Marriott Bonvoy memberships on spending Rs. 12 Lakhs in the year. You would also get 16 complimentary domestic and international lounge access each year.

AU Bank Zenith Credit Card

A super-premium credit card, the AU Bank Zenith Credit Card is placed at a joining fee of Rs. 7,999. 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. For every Rs. 100 spent using this credit card, you will earn up to 20 Reward Points.

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 upgraded credit cards. Not only AU Bank cardholders but also 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.

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 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 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.

AU Credit Cards Rewards & Cashback

All credit cards offered by 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:

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 Feature).
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
  • 20 RPs for Train Bookings on ixigo, 10 RPs for Online Spends and 5 RPs for Offline Spends
AU Bank Zenith+ Credit Card
  • Earn 2 RPs per Rs. 100 spent on travel, dining, and international spends.
AU Bank Zenith Credit Card
  • 20 Reward Points per Rs. 100 spent at standalone restaurants.
  • 10 RPs per Rs. 100 spent on departmental stores, groceries, and international transactions.
  • 5 RPs per Rs. 100 spent elsewhere.

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:

Credit Card Joining Fee Annual Fee
AU Bank LIT Credit Card Nil Nil
AU Bank Altura Plus Credit Card Nil Nil
ixigo AU Credit Card ₹999 + GST ₹999 + GST
AU Bank Altura Credit Card Nil Nil
AU Bank Vetta Credit Card ₹2,999 + GST ₹2,999 + GST
AU Bank Zenith+ Credit Card ₹4,999 + GST ₹4,999 + GST
AU Bank InstaPay Credit Card Nil Nil
Aditya Birla AU Bank Credit Cards Nil Nil
AU Bank 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 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:

Interest Rate 1.99% Per Month for Zenith and Zenith+, 3.49% Per Month for Vetta and SwipeUp Cards, and 3.59% Per Month 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 basic 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:

  • 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 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:

  • 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 that you can customize 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.

FAQs:

Currently, AU Small Finance Bank provides InstaPay, Altura, Aditya Birla, Xcite, and Altura Plus Credit Cards as a lifetime free card. You can also avail of a lifetime free feature for other credit cards while achieving the required spend threshold and fulfilling the necessary requirements.
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.
Yes, you can redeem your earned reward points against flight/hotel bookings at a rate of 1 RP = Re. 0.25.
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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