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AU Bank Credit Card
From grocery shopping to international travel, AU offers a world of lifestyle benefits and cash-back rewards to help take care of your day-to-day spending.
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AU Bank Credit Card
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A Credit Card for Every Need
Meet AU Bank's new range of credit cards that have plenty of attractive and tempting benefits.
AU Zenith Credit Card
Reward Type
Cashback and Reward
Joining Fee
₹.7,999 + taxes
Annual Charge
₹.7,999 + taxes
Features
Offers for First Time Card Holders
- Get 10,000 bonus reward points when you spend Rs.1 lakh within the first 60 days of your credit card being activated.
- Earn 20 reward points for every Rs.100 you spend on dining.
- Get 4 complimentary domestic airport lounge visits every calendar quarter.
- Get air accident cover of Rs.2 crore.
Conditions for Annual Card Fee waiver
- For 1st year fee waiver : INR 1,25,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver : INR 5,00,000 retail spends done in previous card anniversary year
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Self-employed:
- Indian nationality. Age: Min 21 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum
AU LIT Credit Card
Reward Type
Cashback and Reward
Joining Fee
Lifetime Free
Annual Charge
Lifetime Free
Features
- Get 5X/10X reward points on making domestic and international transactions both online and offline.
- Get a 1% fuel surcharge waiver on spending between Rs.400 and Rs.5,000 on fuel.
- Get cashback of 5% for groceries, dining, and travel as well as 1 reward point for every Rs.100 you spend.
- Get up to four complimentary visits to airport lounges every year.
- Get 3 months of free membership for ZEE5, Cult.fit, and Amazon Prime.
Fees & Charges applicable
- Annual Card Membership fee – Lifetime Free
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
AU Vetta Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs2,999
Annual Charge
Rs2,999
Features
- Get vouchers worth Rs.2,000 if you spend Rs.30,000 within the first 60 days of the card being activated.
- Get 10 reward points for every Rs.100 spent on utility bills payments.
- Get Zomato Pro Annual Membership when you spend Rs.50,000 in one month.
- Get 1,000 reward points as a bonus when you make one transaction on your birthday.
Fees & Charges applicable
- Annual Card Membership fee – Rs. 2,999 + applicable taxes
Conditions for Annual Card Fee waiver
- - For 1st year fee waiver – Rs.40,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – Rs. 1,50,000 retail spends done in previous card anniversary year
click hereto view Key Fact Statement.
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Au Altura Plus Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs.499
Annual Charge
Rs499
Features
- Get 1.5% cashback on POS transactions at partner merchant outlets
- Get 2x reward points on online spends.
- Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
- Get 2 free railway lounge visits every calendar quarter in these cities:
- New Delhi
- jaipur
- Kolkata (Sealdah)
- Agra
- Ahmedabad
- Madurai
Fees & Charges applicable
- Annual Card Membership fee – Rs. 499 + applicable taxes
Conditions for Annual Card Fee waiver
- - For 1st year fee waiver – Rs.20,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – Rs. 80,000 retail spends done in previous card anniversary year
click hereto view Key Fact Statement.
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Au Altura Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs.199
Annual Charge
Rs199
Features
- Get 2% cashback for spending on grocery, departmental stores, and utility bill payments.
- Get 1% fuel surcharge waiver when you spend between Rs.400 and Rs.5,000 on fuel.
- Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
- Get Rs.50 cashback when you complete a minimum transaction amount of Rs.10,000 in every cycle statement.
Fees & Charges applicable
- Annual Card Membership fee – Rs. 199 + applicable taxes
Conditions for Annual Card Fee waiver
- - For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – Rs. 40,000 retail spends done in previous card anniversary year
click hereto view Key Fact Statement.
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
AU Credit Card
Your Financial Freedom in Your Wallet
The AU Bank credit card range offers something for everyone. From grocery shopping to international travel, AU offers a world of lifestyle benefits and cash-back rewards to help take care of your day-to-day spending. They provide flexible reward options that let you choose exactly how you'd like to redeem your rewards, so you can treat yourself any way you want.
All You Need, Just a Swipe Away!
Features & Benefits of the Best AU Credit Cards
AU Altura Credit Card
- Earn 5% Cashback on minimum retail spend of Rs. 2,500 within the first 60 days of card setup. The maximum cashback per statement cycle is Rs. 150 (T&Cs apply).
- Get up to 2% of cashback on every retail transaction
- Get guaranteed cashback of Rs.50 on completing a minimum of Rs.10,000 worth of retail transactions in every statement cycle.
- 8 complimentary lounge access per calendar year
- 1% Fuel Surcharge Waiver for transactions done between Rs.400 and Rs. 5,000 at all fuel stations in the country (maximum value of waiver is Rs. 100 per statement cycle)
- Make your payments more convenient by converting transactions worth Rs.2,000 or more into easy EMI options on the select tenure of your choice.
AU Altura Plus Credit Card
- Rs.500 welcome voucher that can be redeemed on a minimum Rs.10,000 purchase within 60 days of card setup
- Get 1.5% Cashback on all POS retail spending at merchant outlets
- Get 2X reward points on all transactions initiated online.
- As a loyalty reward, you get 500 Reward Points when you do Rs.20,000 or more of retail spending in a calendar month.
- 8 complimentary lounge access per calendar year
- 1% Fuel Surcharge Waiver for transactions done between Rs.400 and Rs. 5,000 at all fuel stations in the country (maximum value of waiver is Rs. 100 per statement cycle)
- Redeem your Reward Points for amazing benefits with e-vouchers from top brands, merchandise, mobile, and DTH recharges, flight and hotel bookings and more.
AU Vetta Credit Card
- Receive a voucher worth Rs. 2,000 when you spend at least Rs. 30,000 in retail outlets within 60 days of card setup.
- Get up to 10 reward points on every Rs.100 spend
- Celebrate your birthday by earning 1,000 bonus reward points for making one qualifying retail transaction.
- Enjoy complimentary lounge access at 1,000+ airport lounges around the world.
- You can get insurance covers for various risks and hazards such as Air Accident Cover up to 50 lakhs, Card Liability Cover, Credit Shield up to 2 lakhs, purchase protection, and many others by visiting our website.
- Redeem your Reward Points for amazing benefits with e-vouchers from top brands, merchandise, mobile, and DTH recharges, flight and hotel bookings, and more.
- Get Annual Fee Reversal on spends of Rs. 1.5 Lakhs.
AU Zenith Credit Card
- Get a voucher worth Rs. 1000 on your first POS retail transaction, plus 10,000 bonus reward points when you spend Rs. 1 lakh.
- Get up to 20 reward points on every Rs.100 spent at Dining Standalone Restaurants
- Enjoy exclusive benefits, like Rs. 1,000 vouchers on a minimum Rs.2 lakh retail spends done per calendar quarter.
- Complimentary Epicure Membership–an exclusive benefit for cardmembers who spend at least Rs. 8 lakh in a card anniversary year.
- Celebrate your birthday by earning 2,500 bonus reward points for making one qualifying retail transaction on your birthday.
- Enjoy complimentary lounge access at 1,000+ airport lounges around the world.
- Our Global Concierge Assistance can help you create customized travel, entertainment, and leisure experiences around the world.
- Enjoy 1% fuel surcharge waiver on all fuel transactions done across all fuel stations in the country.
- Redeem your Reward Points for amazing benefits with e-vouchers from top brands, merchandise, mobile, and DTH recharges, flight and hotel bookings, and more.
- Get Annual Fee Reversal on spends of Rs. 1.5 Lakhs.
- You can get insurance covers for various risks and hazards such as Air Accident Cover up to 2 crores, Card Liability Cover, Credit Shield up to 5 lakhs, purchase protection, and many others by visiting our website.
Required Documents for AU Credit Card
PAN Card
Aadhaar Card
Driving Licence
Voter ID
Passport
Registered rent agreement
Current passport size photograph
Salaried income documents
Self Employed person documents
Salaried income documents
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Last 6 months' salary slip
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Form 16 of last 2 years
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Income Tax Return if any of last 2 Years
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Last 3 months' bank statement if the salary directly credited in the bank account
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Certificate of employment from current employer
Self Employed person documents
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Income tax returns of previous 2 years
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Statement of finances with a proper balance sheet with profit and loss in that sheet
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Bank statement with continuity of business
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GST registration evidence of business
Card to Card Documents
The documents required for a card-to-card application vary, but common documents include:
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Government Issued Photo ID
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Proof of Residency
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Proof of Income
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Applcation Form
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Authorization to run a Credit Check (if required)
Note : AU may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
Wondering How to Apply? Here You Go!
How to Apply for an AU Credit Card
The process of applying for a Credit card can be really daunting sometimes but with ReferLoan you can make the process easy and quick. .
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Visit the website of ReferLoan
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There you can find the list of credit cards on the top.
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Choose an AU Cradit card and click on the ‘Check Eligibility’ button
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You will be prompted with a list of questions
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Answer them to know your eligibility.
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If you’re eligible for the card, you will be redirected to the online application page.
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Fill in all the required fields on the page before clicking on ‘Submit’.
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You will then be asked to upload the documents – do the same and click on ‘Submit’
Redeem Your Reward Points and Get Exciting Gifts and Vouchers
How to Redeem an AU Credit Card Reward Point?
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Login with your Credentials
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Click on the Redeem Point Tab
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Filter your collected Points Range and preferred Item Category to view the catalog
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Choose your item, add it to the cart with the preferred quantity and click View Shopping Cart Link.
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To proceed further, please read the Terms & Conditions and click on the check box confirming that you have read them.
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You are done now. A copy of your voucher will be received on your registered email ID and Mobile Number
Access Your Credit Card Anywhere Through NetBanking
AU Credit Card Login for Net Banking
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Visit :Aubank
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Log in to your net banking with the provided customer ID and IPIN.
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On the main menu, select the “ Cards” option
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Select the “ Credit Card” option from the drop-down
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Select the “ Register Credit Card” option on the left side of the menu
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If you’re eligible for the card, you will be redirected to the online application page.
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Fill in your card details like credit card number, expiry, and pin.
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After confirming all the filled-in details are right, click on “Submit”
In Case of Any Query
HRegistered Office: 19A,
Dhuleshwar Garden, Ajmer Road,
Jaipur – 302001. Rajasthan, India
FREQUENTLY ASKED QUESTIONS
If you have any questions regarding the AU Bank credit cards, you can write to them at creditcard.priority@aubank.in or contact them at 18002100298 or 022-42320298.
Yes, You will be charged 18% GST on fees and other charges on an AU Altara Plus Credit Card.
No, AU bank doesn’t charge any processing fees on credit cards.
Please note that AU Bank may ask you to submit the following documents along with your application form: PAN card, Aadhar card, passport, driving license, Voter ID, electricity bill, last six months' salary slips, and Income Tax Returns (ITR) of the last two years.
There is no limit to your credit limit on AU credit cards. The limit is determined by the applicant's income and CIBIL score. Individuals with a high income and a high CIBIL Score are more likely to be given a large credit limit.
The annual charge of AU bank Credit Cards starts from Rs. 199 and varies from card to card.
AU bank doesn’t charge any Joining fee on any of their credit cards
Yes, you can enjoy upto 48 days of Interest-free credit period on your AU Credit Card
The Primary AU Bank credit card holder can get upto 3 LIFETIME FREE Add-on Credit Cards issued to your family members
No, the Add-on cardholder won’t have to pay any annual fee
Yes, the card user has to bear with Cross currency mark-up charges that are applicable for doing an international transaction, the costs may vary based on your service
In the AU bank Credit Card, 1 Reward Point equals INR 25 Paise. So, having 1,000 Reward Points mean that you can redeem it for free shopping worth Rs.250 value
You can redeem your Reward Points as of the last statement balance on our AU Rewardz site, where you can see your Redeemable Points and find out how many points you need to get a reward.
The minimum Reward Point required on your AU Bank Credit Card for redemption is 200 points.
Most banks do allow applicants to get a loan on their Credit Card. You will have to reach out to AU Bank to know about it in detail.
The minimum required salary to apply for an AU Bank Credit Card varies from card to card. You can reach out to the bank for a better idea.
With AU Bank Credit Card, you will have to pay Cash Advance Charges of 2.5% of the amount withdrawn, subject to a minimum of ₹ 100.
The minimum required CIBIL Score to apply for AU Bank Credit Card is 750
No, you can’t apply for an AU Bank Credit Card with a low CIBIL Score of 600 as the min. The requirement for CIBIL Score is 750.
No, you can’t apply for an AU Bank Credit Card with a low CIBIL Score of 650 as the min. The requirement for CIBIL Score is 750.
Any applicant between the age of 21 years to 60 years is eligible to apply for AU Bank Credit Card.
No, a student can’t apply for an AU bank credit card as they lack a stable income and are unable to repay the amount. Although students can get an Add-on card with a primary holder.
No, to apply for an AU Bank Credit Card, being an Indian Resident is mandatory.
The annual fee of a Vetta AU Credit Card is Rs. 2,999 + applicable taxes
If you want to waive off your first-year annual fee then you will have to complete Rs.40,000 retail spends done within 90 days of card setup
AU Bank offers an impressive range of credit cards matching all lifestyles. The major ones offered by them are Altura Credit Card, Altura Plus Credit Card, Vetta Credit Card, LIT Credit Card, and Zenith Credit Card.
You can call AU Bank Customer Care at 1800 1200 1500 and place a request. Card Replacement charges of Rs.100 + taxes are applicable.
With AU Bank Credit Cards, you can get endless benefits such as Instant & easy access to credit, boosted Cashback & reward points, Welcome & Milestone benefits, interest-free periods, and lifestyle benefits on shopping, wellness, entertainment, etc.
To change or reset your AU BANk credit card PIN you can Visit their website www.aubank.in, click the Credit Cards section, turn to Credit Card Services, choose Set my PIN, and follow the steps as briefed. Apart from this you can also perform the same through net banking/mobile banking or calling the IVR.
The joining fee of the AU Zenith Credit Card is Rs. 7,999.
The joining fee of the AU Vetta Credit Card is Rs. 2,999.
There's no Annual fee required for AU LIT Credit Card as it is a lifetime free credit card.
The joining fee for the AU Altura Plus Credit Card is Rs. 499.
The joining fee for the AU Altura Credit Card is Rs. 199.
Yes, AU LIT Credit Card is a lifetime free credit card with no annual or joining fees.
AU Bank Altura credit card is best for shopping as it offers 2% cash back for spending on groceries, departmental stores, and utility bill payments. Also, you Get a 1% fuel surcharge waiver when you spend between Rs. 400 and Rs. 5,000 on fuel.
The AU Small Finance Bank offers two credit cards with a low joining fee. These are: -AU bank Altura Plus Credit Card – Rs. 499. -AU Bank Altura Credit Card – Rs. 199
The minimum required salary to apply for an AU Bank Credit Card varies from card to card. You can reach out to the bank for a better idea.
The minimum required salary to apply for an AU Bank Credit Card varies from card to card. You can reach out to the bank for a better idea.
You can reach an AU Bank customer care representative by calling 1800 1200 1200.
AU Credit Card users can check their credit limit by logging into their AU 0101 App/NetBanking and visiting the Credit Cards section.
With AU LIT Credit Card, the cardholder will get 1 Reward Point for every Rs. 100 spent on retail with the card, 10X or 5X accelerated Reward Points (For Specific Features), and Additional cashbacks (For Specific Features).
With the XpressEMI feature, you can convert your transactions worth INR 2,000 or more into easy EMI options on the select tenure of your choice. To activate this feature you can call the AU Bank Customer Care helpline to book your XpressEMI.
To apply for an Add-on AU Bank Credit Card the minimum age of the applicant must be 18 years.
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