AU Bank offers a wide range of credit cards tailored to various lifestyle needs, from luxurious travel rewards to cashback and shopping benefits. Whether you're looking for rewards, convenience, or lifestyle benefits, AU Bank credit cards are designed to provide maximum value.

This guide will help you navigate the features, rewards, fees, and benefits of AU Bank Credit Cards to choose the best one for your needs.


AU Bank LIT Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies | Travel | Dining | Fuel | Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


AU Altura Plus Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


AU Altura Credit Card

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A


ixigo AU Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance


AU Bank Vetta Credit Card

Joining Fee

Rs. 2,999 + GST

Renewal Fee

Rs. 2,999 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


AU Bank InstaPay Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A


Aditya Birla AU Bank Credit Cards

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Dining | Shopping | Business Expenses

Reward Type

Reward Points

Welcome Benefits

Up to 1,000 Reward Points


AU Bank Zenith Credit Card

Joining Fee

Rs. 7,999 + GST

Renewal Fee

Rs. 7,999 + GST

Best Suited For

Travel | Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up. AU Credit Cards Features and Benefits


 

Why Choose AU Bank Credit Cards?

  • Wide Range of Options: AU Bank offers cards for travel, shopping, dining, and everyday expenses.
  • Exclusive Rewards: Enjoy accelerated rewards and flexible redemption options.
  • Premium Features: Complimentary airport lounge access, milestone benefits, and more.
  • Affordable Fees: Competitive annual fees combined with great perks.

 

AU Bank Credit Card Comparison Table

Card NameBest ForKey BenefitsReward RateAnnual Fee
AU Bank Solitaire Credit CardPremium LifestyleComplimentary lounge access, lifestyle benefits12 Reward Points per INR 200 spentINR 9,999
AU Bank Business Gold Credit CardBusiness ExpensesReward points on business spending, travel vouchers10 Reward Points per INR 200 spentINR 3,000
AU Bank Travel Credit CardTravel & AdventureAirport lounge access, travel insurance, and rewards8 Reward Points per INR 200 spentINR 2,500
AU Bank Shop Smart Credit CardShopping & EntertainmentCashback on shopping, discounts at partner stores4 Reward Points per INR 200 spentINR 999
AU Bank Smart Credit CardEveryday ShoppingCashback and discounts on grocery, dining, and shopping2 Reward Points per INR 200 spentINR 250

 

Rewards Comparison Chart

Card NameReward RateHow to Redeem
AU Bank Solitaire Credit Card12 Reward Points per INR 200 spentRedeem for travel, lifestyle, or cashback
AU Bank Business Gold Credit Card10 Reward Points per INR 200 spentAdjust points for travel or business rewards
AU Bank Travel Credit Card8 Reward Points per INR 200 spentRedeem for travel, airline tickets, or vouchers
AU Bank Shop Smart Credit Card4 Reward Points per INR 200 spentRedeem for shopping or entertainment vouchers
AU Bank Smart Credit Card2 Reward Points per INR 200 spentConvert to cashback or partner offers

 

Annual Fees and Charges

Fee TypeDetails
Annual FeeINR 250 to INR 9,999 depending on the card type
Late Payment FeeINR 300 to INR 1,000 based on the outstanding balance
Foreign Transaction Fee3.5% on all international transactions
Cash Advance Fee2.5% of the withdrawn amount (min INR 500)
Interest RateUp to 3.5% per month (42% per annum)

 

How to Apply for an AU Bank Credit Card?

  1. Visit the official AU Bank website.
  2. Explore the range of credit cards available.
  3. Fill out the online application form with your personal and financial details.
  4. Upload required documents, including ID proof and income proof.
  5. Submit your application and track its status online.

 

Final Thoughts

AU Bank Credit Cards offer a range of benefits suited for every type of spender, whether you're seeking premium travel rewards, cashback on daily purchases, or business-related benefits. With competitive fees and a variety of rewards, AU Bank ensures there is a credit card for everyone. Compare the options above and choose the card that best aligns with your spending habits and financial goals today!

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