Here are a few factors

Rating 4.5 /
Total - 564 ratings
5
373
4
138
3
37
2
10
1
6
Location Pan India as per Pincode
CIBIL Score 720+
Product Fresh Card & Card to Card
Card Limit & Vintage in case of Card to Card Product 6 Month old Card with
50k credit limit with 30% available limit
TAT 3 to 4 days 
Applicant Any Self Employed or Salaried Individual
Applicant Age Salaried 23-60
Self employed 25-65
Minimum Income 1.Salaried- 30K Gross Monthly Salary
2. Self Employed-5 Lac ITR
Type of Cards 5 Types of different Cards
1. Altura
2. Altura+
3. Vetta
4. Zenith
5. LIT
Most Popular Card Zenith
Annual Fees See Below
Reward Point See Below
Negative Profile 1. Minus 1 CIBIL, Group D employee
2. Single Name not allowed, Name mismatch not allowed, short address not allowed
USP 1.Free Card for gov employee and listed company
2. Card on CIBIL Basis
Additional 1. 4 Reward Point= Rs. 1
2. All Cards annual fees is waived on spending a fix amount in a year

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

Free Voucher - Rs1000
10000 Reward point

Joining Fee

₹.7,999 + taxes

Annual Charge

₹.7,999 + taxes

Features

Offers for First Time Card Holders
  • Rs1000 free Voucher on 1st successful retail tranaction on POS
  • 10000 Reward point on spending Rs.1 lac in next 60 days from the date of issuance
  • 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

5% Cashback
1 RP on every 100 spend

Joining Fee

Lifetime Free

Annual Charge

Lifetime Free

Features

  • 5% Cash back on Dining, Travel & Grocery
  • 1 Reward point on every 100 spend
  • 3 month Free Membership of Zee5, Amazon Prime, cult.fit
  • 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 up to four complimentary visits to airport lounges every year.

Fees & Charges applicable

  • Annual Card Membership fee – Lifetime Free

Eligibility:

  • Age => Salaried - 23 to 60 , Self-employed - 25-65
  • Salary Required => Salaried- 30K Gross Monthly Salary , Self Employed-5 Lac ITR
  • Card to Card = "6 Month old Card with 50k credit limit with 30% available limit"
  • 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

Complimentary Access
1% fuel surcharge
Gift Voucher - Rs2000

Joining Fee

Rs2,999

Annual Charge

Rs2,999

Features

  • Complimentary access at selected Railway Lounge, Dometic & interantional lounge
  • 1% fuel surcharge for transaction between Rs.400-5000
  • Gift Voucher worth Rs2000 on spending Rs.30,000 in next 60 days from the date of issuance
  • 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:

  • Age => Salaried - 23 to 60 , Self-employed - 25-65
  • Salary Required => Salaried- 30K Gross Monthly Salary , Self Employed-5 Lac ITR
  • Card to Card = "6 Month old Card with 50k credit limit with 30% available limit"
  • 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

1% Fuel Surchage waiver
2 complimentary access
2X RP , 1.50% Cashback

Joining Fee

Rs.499

Annual Charge

Rs499

Features

  • 1% Fuel Surchage waiver
  • 1.50% Cash back on POS retail transactions & 2X Reward Point on Online Transactions
  • Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
  • 2 complimentary access at Selected Railway lounge.
    • 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:

  • Age => Salaried - 23 to 60 , Self-employed - 25-65
  • Salary Required => Salaried- 30K Gross Monthly Salary , Self Employed-5 Lac ITR
  • Card to Card = "6 Month old Card with 50k credit limit with 30% available limit"
  • 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

2 complimentary access
2% cashback on spending
Rs.50 on retail spending 10000

Joining Fee

Rs.199

Annual Charge

Rs199

Features

  • 2 complimentary access at selected Railway lounge
  • 7% Cash back as an activation offer & 2% cash back on spending
  • Additional Cash back of Rs.50 on retail spending 10000 during statement cycle
  • 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.

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.

Easy Documentation, Smoother Process

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

  • Last 6 months' salary slip
  • Form 16 of last 2 years
  • Income Tax Return if any of last 2 Years
  • Last 3 months' bank statement if the salary directly credited in the bank account
  • Certificate of employment from current employer

Self Employed person documents

  • Income tax returns of previous 2 years
  • Statement of finances with a proper balance sheet with profit and loss in that sheet
  • Bank statement with continuity of business
  • GST registration evidence of business

Card to Card Documents

The documents required for a card-to-card application vary, but common documents include:

  • Government Issued Photo ID
  • Proof of Residency
  • Proof of Income
  • Applcation Form
  • 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. .

  • Visit the website of ReferLoan
  • There you can find the list of credit cards on the top.
  • Choose an AU Cradit card and click on the ‘Check Eligibility’ button
  • You will be prompted with a list of questions
  • Answer them to know your eligibility.
  • If you’re eligible for the card, you will be redirected to the online application page.
  • Fill in all the required fields on the page before clicking on ‘Submit’.
  • 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?

  • Login with your Credentials
  • Click on the Redeem Point Tab
  • Filter your collected Points Range and preferred Item Category to view the catalog
  • Choose your item, add it to the cart with the preferred quantity and click View Shopping Cart Link.
  • To proceed further, please read the Terms & Conditions and click on the check box confirming that you have read them.
  • 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

  • Visit :Aubank
  • Log in to your net banking with the provided customer ID and IPIN.
  • On the main menu, select the “ Cards” option
  • Select the “ Credit Card” option from the drop-down
  • Select the “ Register Credit Card” option on the left side of the menu
  • If you’re eligible for the card, you will be redirected to the online application page.
  • Fill in your card details like credit card number, expiry, and pin.
  • 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
                      

For general queries, you can call the toll-free numbers:

  • 1800 1200 1200
  • 1800 26 66677

You can also call the toll numbers:

  • 1860 1200 1200
  • 0141 – 7141000
  • 0141 – 6133000
  • 0141 - 3071800

Check More Details to Contact AU Bank

Leave Your Question

FREQUENTLY ASKED QUESTIONS

If you have any questions regarding the AU Bank credit cards, you can write to them at [email protected] 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.