AU Bank Credit Cards offer a range of options to meet the diverse financial needs of customers, providing access to credit, rewards, and exclusive lifestyle benefits. These cards cater to various segments, from everyday spenders to premium users, with features like cashback, reward points, airport lounge access, and lower foreign currency mark-up fees. Whether you're seeking travel privileges, lifestyle rewards, or everyday financial solutions, AU Bank's credit cards are designed to enhance convenience and maximize benefits.
In this page we will go through AU Small Finance Bank Credit Card features, benefits, card types/ categories, eligibility, offers & more. Read on to find out!
AU Bank Credit Cards offer a wide range of benefits, including cashback, reward points, complimentary lounge access, and an interest-free period of up to 60 days. With cards like Zenith, Vetta, and LIT, AU Bank caters to various spending needs, providing flexible credit solutions with low annual fees and strong rewards programs.
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AU Bank offers a variety of credit cards that cater to different spending habits, lifestyles, and financial needs. Each card provides distinct benefits, making them ideal for everyone from frequent travelers to regular shoppers. Here's a breakdown of the key types of AU Bank Credit Cards:
Check the best credit card offers for your needs!
The bank provides transparent and competitive interest rates along with specific charges for various services across its credit card offerings. Here’s a concise overview of the interest rates and charges associated with AU Bank credit cards:
Charge Type | Details |
---|---|
Annual Fees |
Altura: ₹199 Altura Plus: ₹499 Vetta: ₹2,999 Zenith: ₹7,999 LIT: Life Time Free |
Cash Advance Fees | 2.5% of the withdrawal amount or ₹500 (whichever is higher) |
Overlimit Fees | 2.5% of over limited amount |
Late Payment Fees | Up to ₹1,300 (based on outstanding balance) |
Foreign Currency Mark-up | 1.99% - 3.5% depending on the card variant |
Interest-Free Period | 18 to 48 days, depending on the card scheme, if no previous balance remains |
Finance Charges | Up to 3.49% per month (41.88% per annum) |
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AU Bank also offers spending-based fee waivers depending on the card and usage.Not sure of your credit score? Check it out for free now!
All AU Bank Credit Cards come packed with year-round offers, across a variety of categories like shopping, dining, travel, and entertainment. One of the key highlights is the AU Silver Spoon dining program, an exclusive offer for credit card customers that provides discounts at premium restaurants. Additional offers are available in areas such as:
To apply for an AU Bank Credit Card, the following eligibility conditions must be met:
Applicants are required to submit the following documents when applying for an AU Bank Credit Card:
Check the best offers & apply for a credit card!
AU Bank Credit Cards come with a variety of features that offer both convenience and financial advantages to cardholders. Here are some of the notable benefits:
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Applying for an AU Bank Credit Card online is a quick and hassle-free process. Here’s a step-by-step guide to help you through the process:
AU Small Finance Bank offers a variety of services to ensure the smooth usage and management of its credit cards. These services enhance the overall user experience by providing convenience and security.
Here are the key services offered by AU Bank Credit Cards:
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AU Bank credit cards offer benefits such as cashback, reward points, purchase protection, complimentary lounge access, and an interest-free period ranging from 45 to 60 days.
You can apply online by choosing a card from the AU Bank website, filling out the application form, uploading required documents, and submitting it for verification. Once approved, the card will be sent to your address.
Annual fees vary based on the card variant: Zenith: ₹7,999, Vetta: ₹2,999, Altura Plus: ₹499, Altura: ₹199, and LIT: Lifetime free.
You can check your credit card balance via AU Bank's mobile banking app, net banking, or by contacting customer care.
Immediately block your card through AU Bank's mobile or internet banking, or by calling their customer care to avoid unauthorized transactions.
You earn rewards by using the card for purchases like dining, shopping, and travel. Accumulated reward points can be redeemed for vouchers, merchandise, or paying outstanding dues.
Yes, foreign transaction fees range from 1.99% to 3.5%, depending on the card variant.
You can request a credit limit increase by contacting AU Bank's customer service or applying through their net banking platform. Eligibility will depend on factors like income and credit history.
Interest rates on outstanding balances can go up to 3.49% per month (41.88% per annum), depending on the card.
Report fraudulent activity immediately by calling AU Bank’s customer care or by using the online services to block your card and raise a dispute.
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