By Kartik Kanwar
Updated On February 21, 2024

As of today, AU Bank is a major credit card issuer in the country with lakhs of customers and offers a range of credit cards in different categories. The bank has some cards that can be used lifetime free as the bank offers them from time to time.

Other than this, AU Bank also launched the SwipeUp platform, where AU Bank customers, as well as other customers, can upgrade their cards to better versions with a higher limit and rewards. These upgraded credit cards are also lifetime free. Read further to know about the lifetime free credit cards by AU Bank and other information related to them.

AU Bank Lifetime Free Credit Cards

Table of Contents

List of Top AU Bank Lifetime Free Credit Cards

The following are the lifetime free credit cards issued by AU Bank.

AU Lit Horizontal card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

NIL

The LIT credit card by AU Bank is India’s first customizable credit card, and cardholders can choose the features and benefits they want from their card. There are so many credit cards out there, which makes it difficult to choose one for yourself. The innovative AU Bank LIT card has a plethora of features and benefits for the cardholder to choose from, that is, without any joining or annual fees. Users can log in to the AU 0101 application, choose the features they want for the next 90 days, and pay for them. You can earn up to 10x accelerated points on the features you select, along with exclusive cashback. You even get complimentary membership to premium brands, lounge access, etc.

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

The AU Bank Altura Plus Credit Card is the superior and more rewarding card in the Altura series. This is a lifetime free credit card with railway lounge access and excellent milestone benefits. The Altura + Credit Card offers decent cashback of 1.5% on POS transactions up to Rs. 100 each month.

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 Small Finance Bank has launched its first co-branded travel credit card with ixigo. It primarily offers customers travel benefits. Domestic and international airport lounge access, along with railway lounge access, are provided with this card. You would get an accelerated 20 Reward Points spent for train bookings with ixigo.

AU Altura Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A

The AU Small Finance Bank Altura Credit Card is a simple cashback credit card that can help you save money by providing cashback on almost every purchase you make. You can earn up to 2% cashback on all your spending, which is directly credited to your account. Additionally, you can earn Rs. 50 cashback every month under the card’s milestone benefits after spending Rs. 10,000. The card also provides complimentary access to selected railway lounges in India.

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 has launched the Swipe Up platform that allows AU Bank, as well as other bank credit card holders, to upgrade their card to AU Bank. Customers can upgrade to one of the three cards – AU Bank Xcite, Xcite Ace, and Xcite Ultra credit card. The Xcite credit card is the most basic out of the three and offers great benefits and privileges to the cardholder. The card has a nice reward rate of up to 15 RPs per Rs. 100 spent on select categories and 2 RPs on other retail spends. Even though it is a lifetime free card, it offers multiple privileges like complimentary railway lounge access, device protection, and more.

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 and other bank cardholders can get a lifetime free Xcite Ace credit card through the Swipe Up platform, where they upgrade their previous card to this one. It is the middle variant out of the three and definitely offers more cashback, a higher credit limit, and many more privileges and benefits than your previous card. The card offers around 3% cashback, which is automatically credited to the balance statement, along with complimentary airport and railway lounge access, insurance benefits, etc. Consider upgrading your existing card to this AU Bank offering.

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

The AU Bank Xcite Ultra credit card is the most premium variant out of the three cards offered by AU Bank through the Swipe Up platform. The card is a premium one that is lifetime free but offers a high reward rate of 12 RPs per Rs. 100 spent along with up to 500 and 2000 bonus reward points on reaching the spend-based milestones. You get many other privileges that include complimentary lounge access, dining discounts, fuel surcharge waivers, etc. Also, you even get insurance-related benefits and concierge services.

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

Earn cashback while making UPI transactions with AU Bank’s InstaPay Virtual Credit Card. You can now easily make UPI transactions without physically carrying your credit card. The InstaPay Credit Card allows you to pay for your expenses directly from your smartphone. As a lifetime free credit card, it’s an excellent option for those looking to start their credit card journey or for existing cardholders who want to earn instant cashback on their UPI spends. This card is highly beneficial for UPI transactions as it offers 1% cashback on spends made at dining establishments, supermarkets, department stores, and grocery stores.

Eligibility Criteria for LTF AU Bank Credit Cards

The cardholder must meet specific requirements in order to apply for AU Bank lifetime free credit cards –

  • The applicant must be 21 to 60 years old.
  • The applicant must be an Indian resident
  • The applicant must have a stable income source and a decent credit score

Credit Card Comparison

Here is a comparison between top AU Bank lifetime free credit cards –

Category AU Bank LIT Credit Card AU Bank Xcite Ultra Credit Card
Joining/Annual Fee Nil Nil
Reward Earning 1 RP per Rs. 100 spent on retail 5x RPs on your chosen specific feature 4 RPs per Rs. 100 spent offline, 8 RPs per Rs. 100 spent online, 12 RPs per Rs. 100 on international spends
Reward Redemption Reward points can be redeemed for vouchers, products, and flight/hotel bookings at the AU Rewardz portal Reward points can be redeemed for vouchers, products, and flight/hotel bookings at the AU Rewardz portal
Dining/Movie Benefits 3 complimentary memberships of Zee5 and Amazon Prime. Additional 5% cashback on dining Up to 30% discount on your dining bills
Travel Benefits Complimentary domestic airport lounge access Complimentary access to both airport and railway lounges

Bottom Line

AU Bank has an admirable range of credit cards across various categories. You can get most of them for free. The lifetime free offer for AU Bank Credit Cards may change from time to time. But currently, the LIT, Altura, ixigo, Aditya Birla, and Altura Plus Cards can be availed as LTF. Most of these cards have great features and benefits across a host of categories.

You can even consider using the Swipe Up platform and upgrade your existing card to the AU Bank Xcite range of cards, which are all lifetime free. Let us know if you plan on getting any of the lifetime free AU Bank credit cards.

FAQs:

The AU Bank offers lifetime free credit cards for its customers. Currently, the AU Bank LIT, Altura, Altura Plus, and ixigo Credit Cards can be availed as lifetime free offerings. Also, you can opt for the SwipeUp platform to upgrade your existing card to AU Bank Xcite credit cards. The Xcite, Xcite Ace, and the Xcite Ultra credit cards by AU Bank are also lifetime free for customers.
Yes, you can get other AU Bank credit cards like the Vetta, Zenith Plus, and Zenith cards as lifetime free based on certain conditions. You would need to achieve the annual spend-based waiver to make the card free from any annual charges.
The AU Bank LIT credit card is a lifetime free credit card and does not charge any joining or annual fees. Also, it is our country’s first customizable credit card, in which you can choose the features and benefits you want to use. You choose the features you want for the next 90 days and pay just for them. Also, you get accelerated 10x reward points on the features chosen by you.
The process to apply is the same as that for any normal credit card by the bank.
  • Click on the Apply Now button.
  • Choose the card you want to apply for and go through the information related to it.
  • Fill in your details.
  • Click on Apply Now and submit the KYC information and other documents to submit your application.