AU Small Finance Bank Credit cards Apply in 2024
The AU credit card ranges promises to offer amazing array of benefits to deliver ultimate consumer experience. Customers enjoy a plethora of lifestyle privileges, from shopping online or offline, travel benefits, gift vouchers and much more. Also keeping in mind the easy accessibility of these cards to customers either from urban or rural zones.
The cards are uniquely curated, and customers have options to choose from the four varieties of cards available.
AU Small Finance Bank CREDIT CARD FEATURES
Exciting Cash backs
Accelerated Reward Points
Complimentary Device Insurance
Amazing Welcome & Milestone Benefits
Multi-Rewards & Lifestyle Benefits
Contactless card usage makes secure and easy payment by tapping the card, without entering credit card PIN.
Device Protection Plan
| Type of Card | Joining Fees |
| AU Bank Zenith Credit Card | NIL |
| AU Bank Vetta Credit Card | NIL |
| AU Bank Altura Plus Credit Card | NIL |
| AU Bank Alutra Credit Card | NIL |
| AU Bank LIT Credit Card | NIL |
Now let’s look at the card separately.
AU Bank ZENITH CREDIT CARD FEATURES
The most premium card offered by AU Bank.
Featuring
. Premium Lifestyle & Loaded Rewards on every spend
. Luxury Hotel Membership
. Free Insurance and Extended Warranty on mobile and Electronic Purchases
. Complimentary Lounge access & Global Concierge
. Lower Mark-up fee of 1.99%
AU Small Finance Bank Fees , Charges and Rewards
| Joining fees | NIL |
| Annual Card Membership Fee | Rs.7,999/- +applicable taxes Conditions 1st year fee waiver: Rs.1, 25,000 retail spends done within 90 days of card set up. 2nd year fee waiver: Rs 5, 00,000 retail spends done in previous card anniversary year. |
| Offers for 1st time card holders | . Users will get vouchers worth Rs.1000/- on 1st retail transaction in which they can choose vouchers of their choice from a bouquet of top brands. . 10,000 Bonus rewards points on completion of retail spends worth Rs.1 lakh (This benefits can be availed if the retail spends are done within 60 days of card set up.) |
| Accelerated Rewards Program | . 20 Rewards points per Rs.100/- retail spends done on dinning at restaurants. . 10 Rewards Rs.100/- retail spends done on International transactions , Grocery and departmental stores. . 5 Rewards points Rs.100/- retail spends done at merchant outlets. |
| Milestone Benefits Quarterly milestone Benefits- Yearly Milestone Benefits- | Voucher worth Rs1000 on minimum retail spends of Rs. 2 lakh done per quarter.( customers can choose vouchers from a bouquet of top brands) Complimentary Epicure membership on minimum of Rs.8 lakh retail spends in a card anniversary year. |
| Mark-up fees | 1.99% on foreign transactions. |
| Birthday benefits | 25,00 bonus reward points on completing 1 retail transactions on one’s birthday. |
| Airport Lounges | . 4 complimentary domestic lounge access per quarter . 2 complimentary lounge access per calendar quarter, using Priority pass at all participating lounges. |
| Railway Lounge | . 2 complimentary lounge access per calendar quarter, ( only at stations Delhi, Kolkata, Sealdah, Jaipur, Ahmedabad, Agra) |
| Global Concierge services Assistance | Customers will get assistance in travel, entertainment, planning a perfect dinner, party, golf session, whatever it may be. Call On toll free no- 18002100298 or 022-42320298. |
| Fuel surcharge | 1% fuel surcharge waiver on all fuel transactions all over India, on all fuel stations. |
| AU Rewards | E-vouchers of top brands Merchandise Mobile/ DTH Recharges Flight/ Hotel bookings and much more |
| Air accident cover | Rs.2 Crore |
| Lost card Liability | Zero lost card liability after reporting it to the Bank |
| Credit Shield | Rs.15/- lakhs |
| Purchase Protection | Up to Rs.50,000/- |
| Xpress EMI | Transactions worth Rs.2000 or more can be converted into easy EMI options by simply calling customer care helpline to book one’s Xpress EMI. |
| Add-on card benefit | Available |
| Foreign Markup fees | 1,99% |
AU Bank VETTA CREDIT CARD:
Featuring
. Multi-rewards & lifestyle benefits.
. Accelerated Reward Points on Utility Bill payment, Grocery & Departmental Stores.
.Free insurance and extended warranty on Mobile & Electronic Purchases.
. Complimentary Lounge Access and Global Concierge.
. Comprehensive Insurance cover on card
. Rs.25, 000/- + yearly benefits on just Rs. 35,000/- monthly spends.
| Joining fees | Nil |
| Annual Card Membership Fee | Rs.2999/- + taxes |
| Conditions for fee waiver | For 1st year fee Waiver – Rs.40, 000 retail spends done within 90 days of receiving the card. For 2nd year onwards fee waiver — Rs.15, 0000 retail spends done in previous card anniversary year. |
| Offers for 1st time cardholders | Vouchers worth Rs.2000 on minimum Rs.30, 000 retail spends done within 60 days of card setup. Users will get to select vouchers of their choice. |
| Accelerated Rewards Program | . 10 Reward Points per Rs.100/- retail spends done on utility bills payments. . 4 Reward points per Rs100/- retail spends done on grocery & departmental store spends. . 2 Reward points per Rs.100/- retail spends done across all other merchant categories. |
| Milestone Benefits Quarterly milestone Benefits- Yearly Milestone Benefits- | 500 Bonus Reward Points on Rs.50,000 retail spends done per quarter and additional 1000 bonus Rewards points on reaching Rs.1 lakh retail spends per quarter. Rs.1000/- worth voucher offer on minimum spend of Rs.2.5 lakh retail spends done in a card anniversary year.(Users can choose their vouchers from a bouquet of top brands) |
| Birthday benefits | 1000 bonus Reward Points on completion of 1 retail transaction on one’s birthday. |
| Airport Lounges | 1 complimentary domestic lounge access per quarter . 1 complimentary lounge access per calendar quarter, using Priority pass at all participating lounges. |
| Railway Lounge | 2 complimentary lounge access per calendar quarter, ( only at stations Delhi, Kolkata, Sealdah, Jaipur, Ahmedabad, Agra |
| Global Concierge services Assistance | Customers will get assistance in travel, entertainment, planning a perfect dinner, party, golf session, whatever it may be. Call On toll free no- 18002100298 or 022-42320298. |
| Fuel surcharge | 1% fuel surcharge waiver for fuel transactions done between Rs..400/- -Rs.5000, minimum Rs.250 /- per cycle, across all fuel station in India. |
| AU Rewards | E-vouchers of top brands Merchandise Mobile/ DTH Recharges Flight/ Hotel bookings and much more |
| Lost card liability services | Zero lost card liability after reporting it to the Bank. |
| Air accident cover | Rs.50/- lakhs |
| Xpress EMI | Transactions worth Rs.2000 or more can be converted into easy EMI options by simply calling customer care helpline to book one’s Xpress EMI. |
| Add-on card benefit | Available |
| Foreign Markup Fee | 3.49% |
AU Bank ALTURA PLUS CREDIT CARD FEATURES:–
Featuring
. Double the Digital earn both Cash back & Rewards Points
. Attractive welcome benefit & monthly milestone benefits
. Complimentary railway lounge access
. Complimentary Lost Card Liability cover
. Rs.4000/- + yearly benefits on just Rs. 20,000 monthly spends.
.Free Insurance and extended warranty on Mobile and Electronic Purchases.
| Joining fees | Nil |
| Annual Card Membership Fee | Rs.499/- + taxes |
| Conditions for fee waiver | For 1st year fee Waiver – Rs.20, 000 Retail spends done within 90 days of receiving the card. For 2nd year onwards fee waiver — Rs.80, 000 retail spends done in previous card anniversary year. |
| Offers for 1st time cardholders | Vouchers worth Rs.500 on minimum Rs.10, 000 retail spends done within 60 days of card setup. Users will get to select vouchers of their choice. |
| Rewards Points | 2X Rewards Points for all online transactions. (2 R.P on per Rs.100/- spent.) |
| Railway Lounge | 2 complimentary lounge access per calendar quarter, ( only at stations Delhi, Kolkata, Sealdah, Jaipur, Ahmedabad, Agra |
| Fuel surcharge | 1% fuel surcharge waiver for fuel transactions done between Rs..400/- -Rs.5000, minimum Rs.150 /- per cycle, across all fuel station in India |
| AU Rewards | E-vouchers of top brands Merchandise Mobile/ DTH Recharges Flight/ Hotel bookings and much more |
| Lost card liability services | Zero lost card liability after reporting it to the Bank. |
| Xpress EMI | Transactions worth Rs.2000 or more can be converted into easy EMI options by simply calling customer care helpline to book one’s Xpress EMI. |
| Add-on card benefit | Available |
| Foreign markup fee | 3.49% |
AU Bank ALTURA CREDIT CARD:
Featuring
. Save Big Up to 7% Cash back as an introductory offer.
.Attractive Monthly Milestone benefits
.Complimentary Lost Card Liability Cover
.Rs.2000/- + Yearly benefits on just Rs.10, 000 monthly spends.
| Joining fees | Nil |
| Annual Card Membership Fee | Rs.199/- + Taxes |
| Conditions for fee waiver | For 1st year fee Waiver – Rs.10, 000 Retail spends done within 90 days of receiving the card. For 2nd year onwards fee waiver — Rs.40, 000 retail spends done in previous card anniversary year. |
| Cash back Features | 2% Cash back on all retail spends done at grocery stores, departmental stores and utility bill payments.( Maximum cash back per statement cycle is Rs50/-) 1% cash back on all other retail spends. (Maximum cash back /statement cycle is Rs.50/-). |
| Milestone benefit | Get additional cash back of Rs.50/- on completing a minimum of Rs.10, 000 retail spends in every statement cycle. |
| Railways Lounges | 2 complimentary lounge access per calendar quarter, (only at stations Delhi, Kolkata, Sealdah, Jaipur, Ahmedabad, Agra.) |
| Fuel Surcharge | 1% fuel surcharge waiver for fuel transactions done between Rs..400/- -Rs.5000, minimum Rs.150 /- per cycle, across all fuel station in India |
| Lost Liability Card | Zero lost card liability after reporting it to the Bank. |
| Xpress EMI | Transactions worth Rs.2000 or more can be converted into easy EMI options by simply calling customer care helpline to book one’s Xpress EMI. |
| ADD-on cards benefit | Available. |
| Foreign markup fee | 3.49% |
Credit Card Services
.Set/Reset my PIN- To generate or Change your Credit card Pin for doing secure Chip + PIN transactions.
. Activate, Switch On/off features and track usage, Cash back & Rewards on LIT Credit Card.
. Users can enable or disable your Credit Card transaction types like Online, International, etc.
. Users can update nominee details for insurance applicable on their credit card.
. Users have the facility to block or lock their lost card immediately.
Eligibility Criteria
. Primary Cardholder Between the age of 21years and 60 years
. Add-on cardholder should be over 18 years.
. Must be an Indian resident
Documents needed
Documents needed for ID Proof = PAN card, Passport, Voter-id Card, Aadhaar Card, Driving License Etc required.
Address Proof = Electricity, water, telephone bills or Aadhaar Card.
Income Proof = Latest Copy Of Bank Statement and credit card statement.
How to apply for the AU Bank Credit card
- Visit the Bank’s Official site
- Select the credit card as per one’s need
- Click on apply and fill all necessary details.
AU Bank Credit Card Customer Care
1. Users can call on Bank’s Customer care at 1800 1200 1200 for any assistance.
2. Or mail at Creditcard.priority@aubank.in
AU Small Finance Bank Credit cards FAQ:
- What is the maximum limit for AU Bank Credit Cards?
There is no limit set for these cards. But is actually determined by the applicant’s CIBIL score. Individuals with high income and good CIBIL score are given large credit cards.
- What is Device Protection Plan?
A free device protection plan is provided by AU Bank services. Using which if the user pays via AU credit cards then they get eligible for 1 year screen damage protection for their mobile phones, tablets for free and 1 year free extended warranty cover on range of white goods.
- What is interest free credit period for the cards?
AU Credit Cards provide for 48 days of interest free credit period.
- How many Add-on cards can users get and what is the fee applicable?
Users get access to 3 lifetime free add-on credit cards and there is no fees charged for it.