By Bharti Bisht
Updated On May 17, 2024

Like every other major card issuer, AU Bank also offers add-on credit cards under the primary credit card accounts. If you don’t know what an add-on or supplementary credit card is, it is a secondary credit card issued under a primary credit card with most of its responsibilities on the primary cardholder. AU Bank, which has become a popular card issuer in the country, also offers an add-on card facility with almost all of its credit cards. The bank offers credit cards with great benefits across different categories and the supplementary cards also come with some decent privileges.

One can get an add-on credit card under the primary card of their family members and you don’t even need any credit score or income proof to get approved for an add-on credit card. This is what makes add-on cards the best option for students and for those who don’t have an income source or credit history. Though the AU Bank add-on credit cards don’t have so many privileges as the primary credit cards, you may get some decent benefits such as reward points, basic travel privileges, etc. To know more about the AU Bank Add-On Credit Cards and their advantages, keep reading:

AU Bank Add-On Credit Card-Post

Features of AU Bank Add-On Credit Cards

Some of the most significant benefits and features that you can avail of with the AU Bank Add-on Credit Cards are as mentioned below:

  • Generally, there is no annual fee or joining fee for an add-on credit card, i.e, you can use it without paying any annual membership charges.
  • You also earn Reward Points/cashback on all your spends just like the primary credit cards and the reward rate is also the same.
  • The add-on cardholders don’t need to worry much about bill payments as the bill payments need to be done by the primary cardholder. However, as a supplementary cardholder, it is still your responsibility to use your card wisely.
  • You don’t need any credit score to be approved for an add-on credit card as it is issued under the primary cardholder’s account. However, you can start building your credit score by using an add-on card.
  • You don’t need income proof to get an AU Bank add-on credit card. So, even students or non-working people can get add-on cards.

Fees and Charges of AU Bank Add-on Credit Cards

Some of the very important fees and charges associated with the AU Small Finance Bank Add-On Credit cards are listed below:

Charges Amount
Annual Fee Nil (maximum up to 3 add-on cards can be issued)
Interest Rate 3.49% per month
Forex Markup Charges 1.99% to 3.49%
Cash Advance Fees 2.5% of the withdrawn amount subject to a minimum of Rs. 100
Cash Advance Limit 20% to 40% of the total credit limit

Eligibility Criteria for AU Bank Add-on Credit Cards

There are some very basic eligibility criteria that you need to fulfill in order to get approved for a supplementary/add-on credit card from AU Bank. The following are the requirements that you will have to keep in mind:

– The age of the add-on card applicant should be at least 18 years.
– The applicant must have a valid relationship with the primary cardholder (siblings, parents, children, or spouse).
– The primary cardholder should be having a decent credit score.

Documents Required

You will also need to submit a few documents while applying for the AU Bank a

  • Identity proof, such as Aadhar Card, Ration Card, PAN Card, Passport, etc.
  • Address Proof, such as utility bills of the latest months, Driving License, Aadhar Card, Ration Card, etc.
  • Proof of relationship with the primary cardholder might also be required.

How To Apply For AU Bank Add-On Credit Cards?

Applying for AU Bank add-on credit cards is an easy task as you can do it online as well as offline at your convenience. To apply offline, you can visit your nearest AU Bank branch with all the required documents and fill out the form there. Just ask the bank officials to provide you with the add-on card application form and you can also request them to help you with the same. You can also apply for the card online on AU Bank’s official website easily by following a few simple steps. For any assistance regarding the add-on cards online, or offline application, you can contact AU Bank Credit Card customer care and they will assist you on the same.

AU Bank Add-On Credit Card PIN Generation

AU Bank Add-On Credit Card PIN generation is an easy task as there are various methods to do so. You can do it offline as well as online as per your comfort. The following are some of the easiest ways to generate your credit card PIN:

  • You can do it easily via internet banking. Just log in to your internet banking account and find an option to generate/set a credit card PIN there.
  • You can also contact AU Bank Credit Card customer care and request them to help you generate the PIN of your credit card.
  • Another way to set up your AU Bank add-on card Pin is to do it through an ATM. Visit the AU Bank ATM nearest to you. Just visit the ATM and find the option to set credit card PIn from the main menu. Make sure to carry your registered mobile number along with you as you might need to enter OTP there.

AU Bank Credit Cards Offering Add-On Card Facility

The following credit cards by AU Small Finance Bank offer the add-on card facility. The benefits of these cards are also given in the following table. To know more about their features, you can also contact AU bank customer care.

Credit Card Fee Structure Key Features
AU Bank Zenith Credit Card Interest rate: 1.99% per month

Forex Markup Fee: 1.99% of the transaction amount

Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 100
– 20 Reward Points for every Rs. 100 spent on dining and 10 RPs on international purchases.

– 4 complimentary domestic airport lounge access and 2 railway lounge visits every quarter.

– Exciting gift vouchers for achieving the spend milestone.
AU Bank Vetta Credit Card Interest rate: 2.99% per month

Forex Markup Fee: 2.99% of the transaction amount

Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 100
– 10 RPs per Rs. 100 spent on utility bill payments.

– 4 RPs on groceries and departmental stores and 2RPs elsewhere.

– 1 complimentary domestic airport lounge access and 2 free railway lounge access every quarter.
AU Bank Altura Plus Credit Card Interest rate: 3.49% per month

Forex Markup Fee: 3.49%

Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 100
– 1.5% cashback on all POS retail spends and 1 RP per Rs. 100 spent after reaching the maximum cashback limit.

– 2 free railway lounge access every quarter.
AU Bank Altura Credit Card Interest rate: 3.49% per month

Forex Markup Fee: 3.49%

Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 100
– 2% cashback on utility bills, departmental stores, and groceries and 1% cashback on other spends.

– 2 free railway lounge access every quarter.
AU Bank LIT Credit Card Interest rate: 3.49% per month

Forex Markup Fee: 3.49%

Cash Advance Fee: 2.5% of the withdrawn amount or minimum Rs. 100
– 1 RP per Rs. 100 spent.

– Additional 5% cashback on specific categories like travel, dining, and groceries.

Bottom Line

Add-On Cards can be of a great use for you if you finding it difficult to get approved for a credit card due to a lack of credit history. Also, these are the best options for people with no income source. You can not only manage your finances better but also build your credit score which will help you in getting approved for a primary credit card in the future. AU Bank offers few, but exclusive credit cards and addon card facility is offered with almost all of them. If your family members are having AU Bank Credit Cards, you can try getting an add-on card under their account and start your credit journey.

FAQs:

There is no joining or annual membership fee associated with the AU Bank Add-on credit cards, i.e. these cards are lifetime free in terms of annual fee.
No, you don't need any credit score or income proof to get approved for an AU Bank add-on credit card. You should just be above 18 years of age and should be related to the primary cardholder.
Yes, the complimentary airport lounge access with the Zenith Credit Card is applicable to both primary as well as add-on cardholders.