AU Bank Credit Card
The AU Bank Credit Card is a financial product offered by AU Small Finance Bank. It provides customers with a convenient and flexible way to make payments for their purchases. AU Bank offers a range of credit cards with different features and benefits to suit various needs and preferences. These cards come with attractive rewards programs, cashback offers, travel benefits, and other perks. With an AU Bank Credit Card, customers can enjoy the convenience of making purchases both online and offline, while also building a positive credit history.
Features and Benefits
- When you join as a card member, you can enjoy welcome privileges, usually after paying the joining fee.
- Different AU Bank Credit Cards offer different types of rewards. The reward rates may vary based on categories such as shopping, dining, travel, etc.
- Cardholders can enjoy exclusive travel benefits like complimentary lounge access, discounts on travel bookings, priority pass membership, and more.
- Some AU Bank Cards provide exciting offers and deals on dining and movies. This is great for people who enjoy spending on these experiences.
- Cardholders may also receive additional benefits like a fuel surcharge waiver of 1%, limited period offers, insurance covers, zero liability protection against lost cards, and more.
Fees and Charges
| Type of charge | Fee |
|---|---|
| Fee for an add-on card | NIL |
| Cash advance fee | 2.5% of amount withdrawn, minimum Rs.100 |
| Minimum repayment amount | 5% or minimum Rs.100 |
| Overlimit charges | 2.5% of overlimit amount, minimum Rs.500 |
| Fee for redeeming reward points | NIL |
| Cash processing fee | NIL |
| Fee for processing an outstation cheque | Rs. 25 |
| Credit card validation fee at lounges | Rs. 2 |
| Charge for Priority Pass Lounge | $27 plus taxes per person for every visit |
| Fee for duplicate physical statement request | Rs. 100 |
| Fee for reissue of lost/damaged/stolen card | Rs. 100 |
Eligibility Criteria
Age: Primary applicant should be of 21 years or more, add-on cardholder should be more than 18 years of age.
Income: Applicant should have a stable source of income.
Residential Status: The applicant must be an Indian citizen.
Documents Required
- Identity proof such as Aadhar/PAN card, driver’s license.
- Address proof such as electricity/telephone bill, driving licence.
- Income proof such as salary Slip or audited ITR.
How To Apply?
- Go to the bank’s website at https://www.aubank.in/personal-banking/credit-cards.
- Choose the specific credit card that you are interested in.
- Click on the ‘Apply Now’ button.
- Enter your mobile number and the OTP (One-Time Password) you receive for verification.
- Once you have filled in all the necessary details, click on “proceed further” or a similar button to move ahead with the application process.
List of Best AU Bank Credit Cards
AU Bank LIT Credit Card
Joining Fee: Nil
Renewal Fee: Nil
Welcome Benefits : NIL
Best Suited for: Movies, Travel, Dining, Fuel and Shopping.
AU Bank Altura Plus Credit Card
Joining Fee: Rs. 499 + applicable taxes
Renewal Fee: Rs. 499 + applicable taxes
Welcome Benefits: You will receive a gift voucher worth Rs. 500 from popular and well-known brands.
Best suited for: Shopping
AU Bank Altura Credit Card
Joining Fee: Rs. 199 + applicable taxes
Renewal Fee: Rs. 199 + applicable taxes
Welcome Benefits: You can earn a 5% cashback when you make retail purchases of Rs. 2,500 or more within 60 days.
Best suited for: Shopping
AU Bank Vetta Credit Card
Joining Fee: Rs. 2,999 (plus applicable taxes)
Renewal Fee: Rs. 2,999 (plus applicable taxes)
Welcome Benefits: On spending a minimum of Rs. 30,000 within 60 days of getting your card, you will receive vouchers worth Rs. 2,000 from popular brands.
Best suited for: Travel and Shopping
AU Bank Zenith Credit Card
Joining Fee: Rs. 7,999 (plus applicable taxes)
Renewal Fee: Rs. 7,999 (plus applicable taxes)
Welcome Benefits: Gift vouchers
Best Suited For: Travel, Dining and Shopping.