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Best Suited For
Movies | Travel | Dining | Fuel | Shopping |
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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 is the bank with 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 January 2024, AU Bank has more than 8.7 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:
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:
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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:
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:
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:
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.
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.
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.
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.
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.
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, 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:
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.
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.
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.
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 |
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AU Bank Altura Plus Credit Card |
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AU Bank Altura Credit Card |
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AU Bank Vetta Credit Card |
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ixigo AU Credit Card |
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AU Bank Zenith+ Credit Card |
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AU Bank Zenith Credit Card |
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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:
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 |
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 |
The following are the basic eligibility criteria that need to be fulfilled to get an AU bank credit card:
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:
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:
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.