AU Small Finance Bank Credit Card

Last Updated : Jan. 9, 2025, 4:15 p.m.

Credit cards are a popular way to save money because they offer various discounts and benefits. AU Small Finance Bank provides a range of the best credit cards that feature lifestyle privileges and international shopping opportunities. Each card comes with different fees, making them accessible to individuals from all economic backgrounds. It's important to carefully review the features and benefits of each card to choose the right one for your needs. These credit cards offer unique features, such as the ability to earn reward points and, in some cases, complimentary access to airport lounges. Therefore, thoroughly reviewing all the features of these cards is crucial before making a decision.

List of Top AU Bank Credit Cards in 2025

In the table below, you can see all the details related to these credit cards.

AU Bank Zenith+ Credit Card
Best suited for: Travel

Here are the main features and benefits of the AU Bank Zenith+ Credit Card:

• Vouchers from luxury brands or reward points valued at ₹5,000 upon card activation
• 2 reward points for every ₹100 spent on travel, dining, and international spending
• 1,000 reward points for monthly retail spending of ₹75,000
• Taj Epicure membership for annual retail spending of ₹12 lakh.
• 16 free international lounge visits per year with Priority Pass.
• 16 free domestic airport lounge visits every year.

AU Bank Vetta Credit Card
Best suited for: Reward Points

Here are the key benefits and features of AU Bank Vetta Credit Card:

• 4 reward points per ₹100 at Grocery & Departmental stores,
• 2 reward points per ₹100 across other merchant categories
• 500 bonus reward points for ₹50,000 spent in the quarter
• 1,000 bonus reward points for ₹1 lakh spent per quarter
• ₹1,000 worth of vouchers for ₹2.50 lakh spends in a year
• 1,000 bonus reward points with one transaction on your birthday.

AU Bank Altura Credit Card
Best suited for: Cashback

Here are the key features and benefits of AU Bank Altura Credit Card:

• 2% cashback on Grocery, Departmental store, and Utility bill payments (Max. ₹50 per cycle)
• 1% cashback on other retail spends (Max. ₹50 per cycle)
• ₹50 cashback for ₹10,000+ monthly spends
• 2 complimentary railway lounge accesses per quarter
• 1% fuel surcharge waiver (Max. ₹100 per cycle)

AU Bank Altura Plus Credit Card
Best suited for : Shopping

Below are the key features and benefits of AU Bank Altura Plus Credit Card:

• 1.5% cashback on POS retail spends at merchant outlets (Max. ₹100 per cycle)
• 1 reward point per ₹100 spent (except fuel) after reaching the cashback limit
• 2X reward points for online transactions
• 1 reward point per ₹100 spent on utility, rent, insurance, and more
• 500 bonus reward points for ₹20,000+ retail spends monthly
• 2 complimentary railway lounge accesses per quarter
• 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000

AU Bank LIT Credit Card
Best suited for: Reward Points

The following are the main features and benefits of AU Bank LIT Credit Card:

• Complimentary 3 months membership of Zee5, Amazon Prime, and Cult Pass Live
• 10X or 5X reward points on all online retail transactions, both domestic and international
• 10X or 5X reward points on all POS and contactless offline transactions, both domestically and internationally
• 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000
• Up to 4 visits per 90 days to airport lounges.

AU Bank SPONT Credit Card
Best suited for: Cashback

Here are the key features and benefits of the AU Bank SPONT Credit Card:

• 1% cashback on all UPI transactions made through any UPI channel
• 1% cashback on all other transactions like eComm, POS, and contactless transactions
• 2 free access to domestic airport lounges per quarter once you achieve ₹30,000 spends in the previous quarter
• 2 complimentary railway lounge access per calendar quarter
• 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000

AU Bank NOMO Credit Card
Best suited for: Reward Points

Below are the main features and benefits of AU Bank NOMO Credit Card:

• 500 reward points with your first transaction within 30 days of setting up your card.
• 2 reward points for every ₹100 you spend on retail purchases.
• 500 reward points on crossing ₹25,000 retail spending in a quarter.
• 2 domestic airport lounge visits per quarter on achieving ₹30,000 spends.
• 2 free railway lounge visits per calendar quarter.

Ixigo AU Credit Card
Best suited for: Travel

Here are the key features and benefits of ixigo AU Credit Card:

• 10% discount up to ₹1,000 on flight bookings each month on the Ixigo platform
• Get 10% off on bus bookings up to ₹300 with Promo Code: IXIGOCCBUS
• 1 free international lounge visit every year.
• 16 complimentary domestic airport lounge visits annually
• 10% discount up to ₹1,000 on hotel bookings with Promo Code: IXIGOCCSTAY

AU Bank Credit Card Eligibility Criteria

The basic eligibility requirements for applying for an AU Credit Card include:

• Age : Applicants must be between 21 and 60 years old. Add-on cardholders should be at least 18 years old.
• Occupation : AU Credit Cards are available to both salaried and self-employed individuals.
• Residency : Applicants must be resident Indians.

Documents Required for AU Small Finance Bank Credit Card

Here is the list of documents that you may require when applying for an AU Small Finance Bank credit card:

1. PAN Card, Aadhaar Card, Voter I.D. Card, Passport, and Driver’s License. (Any One Document)
2. Ration Card, Electricity Bill, Telephone Bill, Driving License, Passport, Voter I.D. Card and Last 2 Months Bank Statement. (Any One Document)
3. Form 16, Latest Salary Slips, Income Tax Return Documents, Audited Financial Documents, Business Continuity Proof. (Any One Document)
4. Pass Certificate of 10th Standard, Passport, Birth Certificate, Voter I.D. card. (Any One Document)

AU Bank Credit Card Fees and Charges

Here are some common fees and charges for AU Bank Credit Cards, as listed in the table below:

Charges may differ based on the type of AU Credit Card. For detailed information on charges, click here .

AU Small Finance Credit Card Services

The bank offers you a range of online credit card services that can benefit you in the long run management –

• Set or reset your PIN
• Enable/Disable credit card transactions
• Block credit card
• Get started with an add-on card
• Update your insurance nominee at your convenience

How to Apply for an AU Bank Credit Card?

Here are the steps you need to follow to apply for an AU Bank credit card online and with ease:

• Visit the bank website.
• Select the credit card you want to apply for
• Then click on ‘Apply Online’
• Enter your mobile number, and PAN details, accept the T&C & click on ‘Generate OTP’
• Enter the OTP to apply for the credit card.

AU Bank Credit Card Customer Care Number

Here are the customer care numbers for AU Bank's credit cards that you can call for any questions or issues:

AU Small Finance Bank customers can send their complaints to this email: [email protected] .

Credit Card Tips for AU Bank Customers

Managing your AU Bank credit card effectively involves knowing the best practices for both online and offline transactions. Here are some recommended actions and practices to avoid to help you maximize your credit card's potential:

Best Practices:

• Explore Card Options: AU Bank offers a diverse range of credit cards suited to various lifestyles, including options for shoppers and frequent travelers. Evaluate the available cards based on your lifestyle and financial needs to choose the most suitable one.
• Understand the Terms: It's essential to comprehend all the terms and conditions associated with your credit card, such as credit limits, interest rates, and fees. Also, be on the lookout for any promotions, discounts, or special waivers that could be beneficial.
• Make Timely Payments: Always pay your credit card bills in full to maintain a healthy credit score and avoid accruing interest charges. Consistent, full payments demonstrate good credit management.
• Leverage Credit Limit Increases: If eligible for a credit limit increase, use it to enhance your purchasing power and reward-earning potential. Manage this increased limit wisely to avoid financial strain.
• Keep Track of Billing and Payment Schedules: Know your billing dates and payment due dates. This knowledge helps you avoid late fees and manage your finances better.
• Monitor Expenditures: Regularly check your credit card activity to spot any unauthorized transactions quickly. Set up alerts for each transaction and contact your bank immediately if you detect any discrepancies.

Practices to Avoid:

• Avoid Overusing Your Credit Limit: Stay within a reasonable spending range. Frequently maxing out your credit limit can negatively impact your credit score and lead to high levels of debt.
• Be Cautious with Multiple Credit Card Applications: While having more than one credit card can be useful, applying for too many in a short period can appear risky and negatively affect your credit rating.
• Avoid Minimum Payments: Consistently making only the minimum payment leads to accumulated interest on the unpaid balance, increasing your debt over time. Aim to pay more than the minimum due or, ideally, the entire balance when possible.