AU Bank Credit Card

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!

Types of AU Bank Credit Cards

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:

1. LIT Credit Card

• India’s First Customizable Credit Card: The LIT card allows users to select and switch on/off features based on their preferences.
• Cashback & Rewards: Earn an additional 5% cashback on travel, dining, and grocery expenses, along with 1 Reward Point per ₹100 spent.
• Complimentary Access: Get 4 complimentary lounge visits per quarter.
• Entertainment Perks: Enjoy free 3-month subscriptions to ZEE5, Amazon Prime, and Cult.fit.

2. AU Zenith Credit Card

• Premium Travel Benefits: Enjoy complimentary access to domestic and international airport lounges, and select railway lounges.
• Reward Program: Earn 10,000 bonus Reward Points when you spend ₹1 Lakh within the first 60 days.
• Fuel Savings: Lower cross-currency mark-up fee of 1.99% for international transactions.

3. AU Vetta Credit Card

• Lounge Access: Complimentary access to both airport and railway lounges.
• Fuel Surcharge Waiver: Get a 1% waiver on fuel transactions ranging from ₹400 to ₹5,000.

4. AU Altura Plus Credit Card

• Travel Perks: Two complimentary lounge visits per quarter at select railway stations.
• Fuel & Cashback Benefits: Enjoy a 1% fuel surcharge waiver and 1.5% cashback on POS retail transactions. Double your rewards with 2x points for online transactions​.

5. AU Altura Credit Card

• Cashback Offers: Earn up to 7% cashback as an introductory offer and get an additional ₹50 cashback on retail spends of ₹10,000 or more.
• Lounge Access: Get two complimentary lounge visits at select railway stations per quarter.

AU Bank Credit Cards Fee & Charges

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:

AU Bank Credit Card Offers

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:

• Shopping: Discounts at partner outlets and online stores.
• Travel: Exclusive deals on flight bookings and hotel stays.
• Health and Wellness: Exclusive offers on healthcare and wellness packages.
• Entertainment: Special deals on movies, events, and more.
• Device Protection Plan: Provides protection and offers for electronic devices​.

AU Bank Credit Cards Eligibility Criteria

To apply for an AU Bank Credit Card, the following eligibility conditions must be met:

• Age: The applicant must be between 21 to 60 years old.
• Income: The applicant must meet the minimum monthly income requirement as specified by the bank.
• Employment: Both salaried and self-employed individuals are eligible to apply.
• Residency: The applicant must be an Indian resident.

AU Bank Credit Cards Documents Required

Applicants are required to submit the following documents when applying for an AU Bank Credit Card:

• Identity Proof: Aadhaar card, PAN card, or Passport.
• Address Proof: Utility bills, Aadhaar card, or Passport.
• Income Proof: Latest salary slips, Form 16, or Income Tax Returns (ITR).
• Photographs: Recent passport-sized photographs

Features & Benefits of AU Bank Credit Cards

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:

• Instant & Easy Access to Credit: AU Bank Credit Cards provide immediate access to credit, allowing cardholders to make purchases without the need for cash. The deferred payment option ensures that you can pay for your purchases later, giving you flexibility in managing your expenses​.
• Cashback & Reward Points: AU Credit Cards offer attractive cashback and reward point programs. Each time you use the card for transactions such as utility payments, grocery shopping, or departmental store purchases, you accumulate rewards. These points can later be redeemed for shopping, travel, or bill payments, providing valuable savings​.
• Purchase Protection: AU Bank offers complimentary card liability coverage if your card is lost, stolen, or damaged. Certain premium cards like Zenith, Vetta, and Altura Plus come witsh comprehensive insurance coverage that protects purchases, ensuring peace of mind​.
• Interest-Free Period: AU Bank Credit Cards feature an interest-free period that typically ranges from 45 to 60 days. This means you can make purchases without paying interest as long as you settle your bill within this period, helping you manage finances more efficiently.
• Exclusive Lifestyle Benefits: Cardholders enjoy numerous lifestyle perks, such as discounts on shopping, wellness, and entertainment. Many AU Bank Credit Cards also provide complimentary access to airport lounges, making travel more comfortable for frequent flyers​.

Steps to Apply For AU Bank Credit Cards Online

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:

1. Choose the Right Card: Visit the AU Bank website and explore the range of credit cards. Pick the one that suits your needs based on rewards, cashback, or travel perks.
2. Click “Apply Now”: Once you’ve chosen the card, click on the “Apply Now” button on the AU Bank website.
3. Fill in Your Details: Complete the online application form by providing your personal details (name, date of birth, etc.), financial information (income), and employment details.
4. Upload Documents: Upload the required documents such as proof of identity (Aadhaar, PAN), proof of address, and proof of income (salary slips, ITR).
5. Review Your Application: Before submitting, ensure all the details entered are accurate and verify the documents you’ve uploaded.
6. Submit the Application: After reviewing, submit your application. A confirmation message or email will be sent to acknowledge your application.
7. Verification and Approval: AU Bank will review your application and documents. You might receive a call for further verification.
8. Receive Your Credit Card: Once approved, your AU Bank Credit Card will be dispatched to your registered address.
9. Activate Your Card: Upon receiving the card, follow the activation instructions to set your PIN and start using the card.

Services Offered By AU Bank Credit Cards

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:

• Block Lost/Stolen Card: In case your credit card is lost or stolen, AU Bank provides an easy process to block the card instantly to prevent unauthorized transactions. Blocking the card can be done through multiple channels like mobile banking, internet banking, or by calling customer care
• Set/Reset Credit Card PIN: AU Bank offers a quick and seamless process to set or reset your credit card PIN. This service allows customers to generate or change their PIN within minutes using either online platforms or ATMs.
• Activate AU Credit Card: Upon receiving a new AU Credit Card, customers can easily activate it by entering their PIN. Once activated, the card is ready to be used for transactions​
• Apply for an Add-On Card: Existing AU Bank credit cardholders can apply for an Add-On Card for family members. The minimum age requirement for an Add-On Cardholder is 18 years, and they must have a relationship with the bank. This service allows family members to enjoy benefits similar to those of the primary cardholder​.
• Credit Card Application Status: AU Bank provides a convenient service to track the status of your credit card application. Applicants can check the real-time status of their credit card requests online, ensuring that they are updated on every step of the process​.