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Federal BankAs 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 got lifetime free as the bank offers them for a few corporate and government employees. People whose employer falls in the list of AU Bank can get several credit cards lifetime free.
Other than this, AU Bank also launched SwipeUp platform where AU Bank 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 –
Table of Contents
AU Bank Lifetime Free Credit Cards
The following are the lifetime free credit cards issued by AU Bank. Some of these cards are lifetime free only for certain government and corporate employees. Let’s take a look at these cards –
Fees
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
NIL
Card Details +
The LIT credit card by AU Bank is India’s first customizable credit card and the cardholder 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 to without any joining or annual fees. Users can log in to AU 0101 application and choose the features they want for the next 90 days and pay for it. You can earn up to 10x accelerated points on the features selected by you along with exclusive cashback. You even get complimentary membership to premium brands, lounge access, etc.
- The first-ever customizable credit card in India
- You can choose the features you want to use for the next 90 days and pay for it
- Complimentary 3 month membership to Amazon Prime, Cult.fit, and Zee5
- 1 reward points per Rs. 100 spent on retail
- 5x or 10 RPs on online and offline spends on the feature chosen by you
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5000
- 2% and 5% cashback on retail spends upon reaching the spend milestone
- Additional 5% cashback on dining, travel, and grocery spends
- 4 complimentary lounge access per quarter
Fees
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
Card Details +
AU Bank had 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 upto 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.
- Lifetime free credit card
- Up to 15 RPs per Rs. 100 spent on dining, grocery, movies, etc.
- 2 RPs per Rs. 100 spent on other retail spends
- Complimentary railway lounge access per year
- Free device protection plan and an extended warranty
- Up to 30% off on dining at multiple restaurants
Fees
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
Card Details +
AU Bank and other bank cardholders can get the 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, higher credit limit, and much 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. You should definitely consider upgrading your existing card to this AU Bank offering.
- Earn up to 3% cashback on your spends with the card
- Complimentary airport lounge access
- Complimentary railway lounge access
- Up to 30% discount on your dining expenses
- Free device protection plan and extended warranty
- 1% fuel surcharge waiver
Fees
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
NA
Card Details +
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 waiver, etc. Also, you even get insurance related benefits and concierge services.
- Bonus 500 reward points per month
- Up to 8 RPs per Rs. 100 on domestic spends
- Up to 12 RPs per Rs. 100 on international spends
- Bonus 5000 reward points on reaching spend-based milestones
- Complimentary airport and railway lounge access
- Personal accident cover worth Rs. 50 Lakhs
- 1% fuel surcharge waiver
Fees
Joining Fee
Rs. 199 + applicable taxes
Renewal Fee
Rs. 199 + applicable taxes
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get a 5% cashback on retail spends worth Rs. 2,500 or more within 60 days.
Card Details +
A basic credit card by AU Bank, the Altura is a cashback card that offers exclusive cashback on almost all spends made by the cardholder. The card charges a joining fee of Rs. 199 but select corporate and government employees can get the card lifetime free. Cardholders can earn 5% cashback on retail spends made inside 2 months of card activation and 2% cashback on other spends. The cashback earned by you will automatically credited to your account and other than the regular one, you can earn additional cashback on reaching the spend milestones. Other benefits include complimentary railway lounge access, and a fuel surcharge waiver.
- 5% cashback on retail spends inside first 60 days
- 2% cashback on departmental stores, groceries, and utility bills
- 1% cashback on other spends made with the card
- Up to Rs. 50 cashback per month upon achieving the spend-based milestones
- Complimentary railway lounge access
- 1% fuel surcharge waiver
- Joining and renewal fee waiver on reaching the target spend amount
Fees
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Gift voucher worth Rs. 500 from some top brands.
Card Details +
The Altura Plus credit card is the superior version of the Altura credit card offered by AU Bank and comes at a higher joining fee of Rs. 500. Again, employees of certain government and corporate organizations can get this card lifetime free and it offers a gift voucher worth Rs. 500 to the cardholder as a welcome benefit. The card offers 1.5% cashback on POS retail spends and on reaching the cashback limit, you earn 1 RP per Rs. 100 spent on retail and 2x RPs on online spends. If you are not eligible to get the card lifetime free, you can even get a spend-based fee waiver.
- Gift vouchers from top brands worth Rs. 500 as a welcome benefit
- 1.5% cashback on your retail spends at merchant outlets
- 2 RPs per Rs. 100 spent on online spends
- 500 bonus reward points per month as milestone benefit
- 2 complimentary railway lounge access per quarter
- 1% fuel surcharge waiver and spend-based joining and annual fee waiver
Fees
Joining Fee
Rs. 2,999 (plus applicable taxes)
Renewal Fee
Rs. 2,999 (plus applicable taxes)
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Vouchers worth Rs. 2,000 from top brands on a minimum expenditure of Rs. 30,000 within 60 days of card setup.
Card Details +
A mid-range lifestyle credit card by AU Bank, the Vetta credit card has a joining fee of Rs. 3000 but employees of certain government and corporate organizations can get it as lifetime free. The card has a decent reward rate on most spend categories along with accelerated rewards on grocery, utility bill, and departmental store spends. Apart from this, there are many other exclusive privileges offered by the card that include complimentary railway and airport lounge access, insurance benefits, a dedicated concierge service, etc. You can even earn bonus reward points on your birthday and on reaching quarterly spend milestones with the credit card
- Rs. 2000 worth vouchers on spending Rs. 30,000 inside 6 months of card issuance
- 10 RPs per Rs. 100 on utility bill payments, 4 RPs per Rs. 100 on grocery and departmental store spends, and 2 RPs per Rs. 100 on other spends
- Annual Zomato Pro membership on spending Rs. 50,000 or more in a month
- Bonus 500 reward points on retail spending of Rs. 50,000 and 1000 bonus points on spends of Rs. 1 Lakh in a calendar quarter
- Gift vouchers worth Rs. 1000 on spending Rs. 2.5 Lakh or more in an year
- Bonus 1000 reward points on making 1 retail transaction on your birthday
- Complimentary international and domestic lounge access
- Complimentary railway lounge access at select railway stations
- 24×7 travel concierge service, golf sessions, dining assistance, and more
- 1% fuel surcharge waiver and spend-based renewal fee waiver
Fees
Joining Fee
Rs. 7,999 (plus applicable taxes)
Renewal Fee
Rs. 7,999 (plus applicable taxes)
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get Zomato Pro membership after 5 successful transactions, Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Every welcome benefit would be applicable for retail spends made within sixty of card set-up.
Card Details +
The most premium offering by AU Small Finance Bank, the Zenith credit card has a joining fee of Rs. 7999 and is packed with elite-level privileges across multiple spend categories. You get a Zomato Pro membership as a welcome benefit and can earn up to 10000 bonus reward points on reaching the spend-based milestones. As travel benefits, you get a complimentary Taj Epicure membership and complimentary domestic or international lounge access. The card also charges a low forex markup fee of 1.99% and is great for making international currency spends.
- Gift vouchers and a Zomato Pro membership as a welcome benefit
- Bonus 10,000 reward points on spending Rs. 1 Lakh or more on retail in the first 60 days
- Up to 20 RPs per Rs. 100 spent elsewhere with the card
- Rs. 1000 worth gift vouchers on spending Rs. 1 Lakhs or above in the calendar quarter
- Complimentary Taj Epicure membership on spending Rs. 8 Lakhs or more in the year
- Bonus 2500 reward points on making 1 retail transaction on your birthday
- Low forex markup fee of 1.99% of the transaction amount
- Complimentary railway and airport lounge access
- Spend-based renewal fee waiver
Conditions to Get AU Bank Credit Cards Lifetime Free
The AU Bank LIT credit card is lifetime free for everyone but the Altura, Altura Plus, Vetta, and Zenith credit cards are lifetime free only for a select group of customers. AU Bank offers lifetime free cards only to certain government and corporate employees. You can get the card free if your employer’s name is in the list and the bank still has the final decision on whether to offer the card lifetime free or not.
- To get the AU Bank credit card lifetime free you must be an employee of an organization which is on the list of AU Bank.
- The organizations include Adani Group, Canara Bank, Aditya Birla, Deloitte, Canon, Panasonic, Honda, Reliance, SBI, Wipro, Godrej, Infosys, Nestle, and more.
- You must be an employee of one of these organizations and the rest of the conditions and eligibility requirements are same as for other credit cards. Still, the bank will check the credit score and financial background of the applicant before issuing a lifetime free card.
Other than these cards, you can opt for the SwipeUp platform and upgrade your existing card to AU Bank credit cards. The Xcite, Xcite Ace, and Xcite Ultra credit cards are lifetime free for customers.
Eligibility Criteria and Documents Required
The cardholder must meet certain 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
You must provide the following documents with your application –
ID Proof – Aadhar Card, PAN Card, Driver’s License, Passport, etc.
Address Proof – Aadhar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.
Income Proof – Salaried individuals need to provide the latest 2 months’ salary slips and the bank statements. Self-employed individuals need to provide their audited ITR of the previous year
How to Apply for AU Bank Lifetime Free credit cards?
The process to apply is same for lifetime free credit cards as first the card will be chargable and you will have to make it lifetime free after that.
- Visit the official AU Bank website
- Click on the ‘Cards’ section and then click on Credit Cards.
- Choose the card you want to apply for and go through the information related to it
- Click on Apply Now and submit the KYC information and other documents to submit your application
You get the card as normal and it is chargable at first. You will have to contact AU Bank and send them your company Employment ID and 3 months’ salary slip. If the bank approves, your card will become lifetime free.
Credit Card Comparison
Here is a comparison between top AU Bank lifetime free credit cards –
| Category | AU Bank LIT Credit Card | AU Bank Altura Credit Card | AU Bank Vetta Credit Card | AU Bank Xcite Ultra Credit Card |
| Joining/Annual Fee | Nil | Rs. 199 | Rs. 2999 | Nil |
| Welcome Benefit | NA | 5% cashback on retail spends of Rs. 2500 or more | Rs. 2000 worth gift vouchers from top brands | NA |
| Reward Earning | 1 RP per Rs. 100 spent on retail 5x RPs on your chosen specific feature | 2% cashback on utility bills, groceries, etc. 1% cashback on other spends | 10 RPs per Rs. 100 on utility bills 4 RPs per Rs. 100 on grocery and departmental stores 2 RPs per Rs. 100 on retail | 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, flight/hotel bookings at the AU Rewardz portal | Cashback is automatically credited to the card statement | Reward points can be redeemed for vouchers, products, flight/hotel bookings at the AU Rewardz portal | Reward points can be redeemed for vouchers, products, flight/hotel bookings at the AU Rewardz portal |
| Dining/Movie Benefits | 3 complimentary membership of Zee5 and Amazon Prime Additional 5% cashback on dining | NA | NA | Up to 30% discount on your dining bills |
| Travel Benefits | Complimentary domestic lounge access | Complimentary railway lounge access | Complimentary airport lounge access Complimentary railway lounge access | Complimentary access to both airport and railway lounges |
| Spend-Based Waiver | NA | Renewal fee is waived off on spending Rs. 40,000 in the year | Renewal fee is waived off on spending Rs. 1.5 Lakhs in the year | NA |
Bottom Line
AU Bank has an admirable range of credit cards across various categories and you can get most of them lifetime free. If you are an employee of select government and corporate organizations you can get the card lifetime free. 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. Remember when you first get the credit card, it is chargable and you will have to contact the bank with your employment details to get the card 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 credit card is the lifetime free offering by the bank. 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 Altura, Altura Plus, Vetta, and Zenith credit cards lifetime free based on certain conditions. AU Bank is offering these cards lifetime free for employees of select Government and Corporate organizations. You will first need to get the card in the normal way by paying the joining fee, and then need to contact the bank with your employer information in order to make your card lifetime free.
To get the AU Bank credit card lifetime free you must be an employee of an organization which is on the list of AU Bank. The organizations include Adani Group, Canara Bank, Aditya Birla, Deloitte, Canon, Panasonic, Honda, Reliance, SBI, Wipro, Godrej, Infosys, Nestle, and more.
The AU Bank LIT credit card is lifetime free for customers 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 it. 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.
- Visit the official AU Bank website
- Click on the ‘Cards’ section and then click on Credit Cards.
- Choose the card you want to apply for and go through the information related to it
- Click on Apply Now and submit the KYC information and other documents to submit your application
You get the card as normal and it is chargeable at first. You will have to contact AU Bank and send them your company Employment ID and 3 months’ salary slip. If the bank approves, your card will become lifetime free.
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