AU Small Finance Bank credit card | Unlock a World of Benefits with AU Small Finance Bank Credit Cards | Apply AU Small Finance Bank credit card in 2023

Established in 1996 as AU Financiers, AU Small Finance Bank is a private sector bank based in India. The bank was rebranded and converted to a small finance bank in April 2017 with the aim of catering to the financial needs of low to average-income individuals and small to medium enterprises who have limited access to banking and financial services. Currently, AU Small Finance Bank has branches across 15 states and 2 union territories in India, and a workforce of over 23,000 employees. With a customer base of over 2 million people, it holds the distinction of having the highest number of branches in Rajasthan, its home state.

In addition to its exceptional services, AU Small Finance Bank offers a range of exclusive credit cards across different categories. Soon after its foray into banking and card services, the bank emerged as a major credit card issuer in India, earning the trust of thousands of customers. As of November 2022, AU Bank has issued a total of 357,802 active credit cards in the country. This year, the bank launched the SwipeUp platform, an initiative that offers upgraded credit cards with higher credit limits, better rewards, and additional benefits, not just to its own customers, but to others as well. This article will delve into the credit cards issued by AU Small Finance Bank, enabling you to choose the one that best suits your needs.

AU Credit Cards Features and Benefits

Despite having a smaller portfolio of credit cards compared to other major issuers, AU Bank offers cards that have been well-received by many customers. These cards come with a variety of features and benefits, making them popular choices in the market. Regardless of which AU Bank Credit Card you choose, you can expect to receive the following benefits:

• Welcome Benefits: When you become a cardholder, you may be eligible for welcome benefits as a part of your membership. Typically, you will receive these welcome privileges after paying the joining fee.
• Rewards: AU Bank Credit Cards may offer various types of rewards, and the reward rates can differ depending on the card and the spending category.
• Travel Benefits: As a cardholder, you may be eligible for exclusive travel benefits, such as complimentary lounge access, discounts on travel-related bookings, priority pass membership, and more.
• Movie & Dining Benefits: Certain AU Bank Cards offer attractive deals and discounts on dining and movies, which can be highly beneficial for those who enjoy spending on these activities.
• Other Benefits: In addition, AU Bank Credit Cardholders may also enjoy a range of other benefits, including a 1% fuel surcharge waiver, limited-time offers, insurance coverage, zero liability protection in case of lost cards, and more.

AU Bank Zenith Credit Card

The AU Bank Zenith Credit Card is a super-premium credit card with a joining fee of Rs. 7,999, offering numerous exciting benefits to its customers. As a welcome offer, cardholders receive complimentary Zomato Pro membership. With this card, you can earn up to 20 Reward Points for every Rs. 100 you spend, which can be redeemed for a variety of options on the bank’s rewards portal. Check out some of the key benefits of this card below:

• You may be eligible to receive a welcome gift voucher worth Rs. 1,000 on your first purchase using this card.
• Upon completing 5 successful retail transactions using this card, you can receive a complimentary Zomato Pro membership.
• Earn up to 20 Reward Points for every Rs. 100 spent using this credit card.
• Upon reaching a milestone spend, you may be eligible for a complimentary Taj Epicure membership.
• Enjoy complimentary access to both domestic and international lounges.

AU Bank Vetta Credit Card

The AU Bank Vetta Credit Card is a premium credit card offered by AU Small Finance Bank. This credit card is designed for customers who want to enjoy exclusive benefits and privileges. Some of the features and benefits of the AU Bank Vetta Credit Card are:

1. Welcome Gift: Cardholders can enjoy a welcome gift of 10,000 Reward Points upon payment of the joining fee.
2. Rewards Program: With the AU Bank Vetta Credit Card, customers can earn up to 5 Reward Points for every Rs. 100 spent using the card. These reward points can be redeemed against a variety of options available on the bank’s rewards portal.
3. Lounge Access: Cardholders can enjoy complimentary access to domestic and international lounges twice a quarter.
4. Golf Benefits: Cardholders can enjoy complimentary golf lessons and rounds of golf at select courses across the country.
5. Travel Benefits: The AU Bank Vetta Credit Card offers exclusive travel benefits such as complimentary travel insurance, discounts on hotel bookings, and much more.
6. Dining Benefits: Cardholders can enjoy exclusive discounts and deals at select restaurants across the country.
7. Concierge Services: The card also comes with 24×7 concierge services that can help you with travel bookings, reservations, and much more.

The annual fee for the AU Bank Vetta Credit Card is Rs. 7,999. The eligibility criteria for this credit card may vary depending on the bank’s policies and guidelines.

AU Bank Altura Plus Credit Card

The AU Bank Altura Plus Credit Card is a premium credit card offered by AU Small Finance Bank. This credit card is designed for customers who want to enjoy exclusive benefits and privileges. Some of the features and benefits of the AU Bank Altura Plus Credit Card are:

1. Welcome Gift: Cardholders can enjoy a welcome gift of 5,000 Reward Points upon payment of the joining fee.
2. Rewards Program: With the AU Bank Altura Plus Credit Card, customers can earn up to 5 Reward Points for every Rs. 100 spent using the card. These reward points can be redeemed against a variety of options available on the bank’s rewards portal.
3. Lounge Access: Cardholders can enjoy complimentary access to select domestic lounges twice a quarter.
4. Travel Benefits: The AU Bank Altura Plus Credit Card offers exclusive travel benefits such as discounts on hotel bookings, travel insurance, and much more.
5. Dining Benefits: Cardholders can enjoy exclusive discounts and deals at select restaurants across the country.
6. Fuel Surcharge Waiver: Cardholders can enjoy a fuel surcharge waiver of 1% at all petrol pumps in India.
7. Concierge Services: The card also comes with 24×7 concierge services that can help you with travel bookings, reservations, and much more.

The annual fee for the AU Bank Altura Plus Credit Card is Rs. 2,999. The eligibility criteria for this credit card may vary depending on the bank’s policies and guidelines.

AU Bank Altura Credit Card

The AU Bank Altura Credit Card is a premium credit card offered by AU Small Finance Bank. This credit card is designed for customers who want to enjoy exclusive benefits and privileges. Some of the features and benefits of the AU Bank Altura Credit Card are:

1. Welcome Gift: Cardholders can enjoy a welcome gift of 2,500 Reward Points upon payment of the joining fee.
2. Rewards Program: With the AU Bank Altura Credit Card, customers can earn up to 3 Reward Points for every Rs. 100 spent using the card. These reward points can be redeemed against a variety of options available on the bank’s rewards portal.
3. Lounge Access: Cardholders can enjoy complimentary access to select domestic lounges twice a quarter.
4. Travel Benefits: The AU Bank Altura Credit Card offers exclusive travel benefits such as discounts on hotel bookings, travel insurance, and much more.
5. Dining Benefits: Cardholders can enjoy exclusive discounts and deals at select restaurants across the country.
6. Fuel Surcharge Waiver: Cardholders can enjoy a fuel surcharge waiver of 1% at all petrol pumps in India.
7. Concierge Services: The card also comes with 24×7 concierge services that can help you with travel bookings, reservations, and much more.

The annual fee for the AU Bank Altura Credit Card is Rs. 1,999. The eligibility criteria for this credit card may vary depending on the bank’s policies and guidelines.

AU Bank LIT Credit Card

The AU Bank LIT Credit Card is a premium credit card offered by AU Small Finance Bank. This credit card is designed to provide benefits and privileges to customers who frequently shop online and use e-commerce platforms. Some of the features and benefits of the AU Bank LIT Credit Card are:

1. Welcome Gift: Cardholders can enjoy a welcome gift of 2,500 Reward Points upon payment of the joining fee.
2. Rewards Program: With the AU Bank LIT Credit Card, customers can earn up to 3 Reward Points for every Rs. 100 spent using the card. These reward points can be redeemed against a variety of options available on the bank’s rewards portal.
3. Online Shopping Benefits: The AU Bank LIT Credit Card offers exclusive benefits such as cashback and discounts on select e-commerce platforms such as Amazon, Flipkart, Myntra, and more.
4. Dining Benefits: Cardholders can enjoy exclusive discounts and deals at select restaurants across the country.
5. Fuel Surcharge Waiver: Cardholders can enjoy a fuel surcharge waiver of 1% at all petrol pumps in India.
6. Concierge Services: The card also comes with 24×7 concierge services that can help you with travel bookings, reservations, and much more.

The annual fee for the AU Bank LIT Credit Card is Rs. 499. The eligibility criteria for this credit card may vary depending on the bank’s policies and guidelines.

AU Credit Cards Rewards & Cashback

AU Small Finance Bank offers a range of credit cards that come with various rewards and cashback benefits. These rewards and cashback offers can vary depending on the type of credit card you have. Below are some of the common rewards and cashback benefits offered by AU Bank credit cards:

1. Reward Points: With most of AU Bank Credit Cards, you can earn reward points for every purchase you make using the card. These reward points can be redeemed against a variety of options such as gift vouchers, merchandise, and more.
2. Welcome Offers: Many AU Bank credit cards offer welcome benefits to new cardholders, such as gift vouchers, reward points, or cashback on the first transaction made using the card.
3. Cashback Offers: Some AU Bank credit cards come with cashback offers on select categories such as fuel, dining, and online shopping.
4. Discounts: AU Bank credit cards also offer exclusive discounts and deals on select brands, merchants, and e-commerce platforms.
5. Lounge Access: Some AU Bank credit cards provide complimentary lounge access at domestic and international airports.
6. Insurance Cover: Some credit cards also offer insurance cover, including air accident insurance, lost card liability insurance, and more.

It’s important to note that the rewards and cashback offers may vary from card to card, so it’s best to check with the bank or the credit card issuer for specific details on the rewards and cashback offers for your particular credit card. Additionally, terms and conditions may apply to these benefits.

AU Small Bank Credit Card Annual Fee

Other Fees and Charges

In addition, there are several other charges associated with AU Bank Cards, including interest, cash withdrawal fees, forex fees, over-limit fees, late payment charges, and more. Check out some of the key fees and charges in the table below:

Interest Rate	1.99% per month for Zenith, 2.99% per month for Vetta, and 3.49% per month on other Credit Cards.
Cash Advance Fee	2.5% of the withdrawn amount subject to a minimum of Rs. 100
Forex Markup Fee	1.99% on Zenith, 2.99% on Vetta, and 3.49% on other cards.

AU Bank Credit Cards Eligibility Criteria

AU Bank Credit Cards have certain eligibility criteria that applicants must meet in order to be considered for a card. While specific requirements may vary depending on the type of card, the following are some general eligibility criteria:

1. Age: Applicants should be at least 18 years old and not older than 70 years old.
2. Income: Applicants should have a regular source of income that meets the minimum income requirement for the card they are applying for.
3. Credit Score: Applicants should have a good credit score, with a score of 750 or higher preferred.
4. Citizenship: Applicants should be Indian citizens or have the necessary documentation to work and reside in India.
5. Employment: Applicants should be employed or have a business with a steady income.

It’s important to note that meeting the eligibility criteria does not guarantee approval for a card, as the final decision is subject to the bank’s discretion and credit policies.

AU Small Finance Bank Credit Card Documents Required

The documents required to apply for an AU Bank Credit Card may vary depending on the type of card and the applicant’s profile. However, the following are some common documents that are usually required:

1. Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or any other government-issued ID.
2. Address Proof: Aadhaar Card, Passport, Driving License, Voter ID, or any other government-issued address proof document.
3. Income Proof: Salary slips, bank statements, Income Tax Returns (ITR), or any other document that shows proof of income.
4. Passport-size photograph.
5. Application Form: Duly filled and signed credit card application form.

It’s recommended to check with the bank for specific document requirements for the card you wish to apply for.

How To Apply AU Small Finance Bank Credit Card

There are several ways to apply for an AU Small Finance Bank Credit Card:

1. Online: Visit the AU Small Finance Bank website and go to the Credit Card section. Choose the credit card you wish to apply for and click on the “Apply Now” button. Fill in the required details and upload the necessary documents. Once submitted, the bank will review your application and contact you regarding the status of your application.
2. Branch Visit: Visit the nearest AU Small Finance Bank branch and speak to a customer representative. They will guide you through the credit card application process and assist you in filling out the necessary forms. Don’t forget to bring along the required documents when visiting the bank.
3. Customer Care: Contact the AU Small Finance Bank customer care helpline and request for a credit card application. The representative will provide you with the necessary information and guide you through the process. You may also request for a representative to visit you in person to help you with the application.

How to check AU bank Credit card Application Status

To check the status of your AU Small Finance Bank Credit Card application, you can use any of the following methods:

1. Online: Visit the AU Small Finance Bank website and log in to your account using your application reference number and mobile number. You can then check the status of your credit card application.
2. Customer Care: Contact the AU Small Finance Bank customer care helpline and provide them with your application reference number. They will be able to provide you with the status of your application.
3. Branch Visit: Visit the nearest AU Small Finance Bank branch and speak to a customer representative. They will be able to check the status of your credit card application and provide you with any necessary information.

It’s recommended to wait for at least 7-10 working days from the date of application before checking the status of your credit card application.

How To Activate AU Bank Credit Cards?

1. Online: Visit the AU Small Finance Bank website and log in to your account using your user ID and password. Click on the “Activate Card” option under the Credit Card section and follow the instructions provided.
2. SMS: Send an SMS to the number provided by AU Small Finance Bank with the format specified. The format will usually be CARD ACT IVR, where IVR is the last four digits of your credit card number. You will receive a confirmation message once your card has been activated.
3. Customer Care: Contact the AU Small Finance Bank customer care helpline and follow the instructions provided by the representative to activate your credit card.
4. ATM: You can also activate your credit card by visiting an AU Small Finance Bank ATM. Insert your credit card into the ATM and follow the instructions provided to activate your card.

Once your credit card is activated, you will be able to use it for various transactions. It’s recommended to change the PIN of your credit card immediately after activation for security purposes.