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By Ankur Mittal
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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 June 2024, 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:
Table of Contents
- AU Small Finance Bank LIT Credit Card
- AU Bank Altura Plus Credit Card
- AU Nomo Credit Card
- AU Bank Altura Credit Card
- AU Bank Zenith+ Credit Card
- ixigo AU Credit Card
- AU Bank Vetta Credit Card
- AU Spont Credit Card
- AU Bank InstaPay Credit Card
- AU Bank Xcite Ace Credit Card
- AU Bank Xcite Credit Card
- AU Bank Xcite Ultra Credit Card
- Aditya Birla AU Bank Credit Cards
- AU Bank Zenith Credit Card
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:
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Movies | Travel | Dining | Fuel | Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
(4.5/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
(4.7/5)
Joining Fee
Rs. 199 + GST
Renewal Fee
N/A
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
500 Reward Points
(4.5/5)
Joining Fee
Rs. 199 + GST
Renewal Fee
Rs. 199 + GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
N/A
(4.6/5)
Joining Fee
Rs. 4999 + GST
Renewal Fee
Rs. 4999 + GST
Best Suited For
Travel | Dining | Shopping
Reward Type
Reward Points
Welcome Benefits
Luxury Gift Vouchers or Reward Points Worth ₹5,000
(4.4/5)
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
(4.5/5)
Joining Fee
Rs. 2,999 + GST
Renewal Fee
Rs. 2,999 + GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
(4.4/5)
Joining Fee
Rs. 299 + GST
Renewal Fee
Rs. 299 + GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
N/A
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
N/A
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.6/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Dining | Shopping | Business Expenses
Reward Type
Reward Points
Welcome Benefits
Up to 1,000 Reward Points
(4.5/5)
Joining Fee
Rs. 7,999 + GST
Renewal Fee
Rs. 7,999 + GST
Best Suited For
Travel | Dining | Shopping
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 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 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 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 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 to 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 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 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 and 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 has 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. 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 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 various 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 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 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 |
|
| AU Bank Altura Plus Credit Card |
|
| AU Bank Altura Credit Card |
|
| AU Bank Vetta Credit Card |
|
| ixigo AU Credit Card |
|
| AU Bank Zenith+ Credit Card |
|
| AU Bank Zenith Credit Card |
|
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 LIT Credit Card | Nil | Nil |
| AU Altura Plus Credit Card | ₹499 + GST | ₹499 + GST |
| ixigo AU Credit Card | ₹999 + GST | ₹999 + GST |
| 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:
- 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:
- 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 [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, Aditya Birla, and Xcite 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.
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.