In today’s digital world, having a credit card is more than just convenience—it’s a smart financial tool when used wisely. Among the many options in India, AU Bank Credit Cards have emerged as a trusted choice for customers looking for flexibility, rewards, and security. Whether you love shopping, dining, or travelling, AU Bank offers a range of credit cards that cater to diverse lifestyle needs.
In this article, we’ll explore everything you need to know about AU Bank Credit Cards—including their key features, benefits, eligibility criteria, and how you can apply for one easily.
About AU Bank Credit Cards
AU Small Finance Bank, a fast-growing bank in India, offers a variety of credit cards tailored for different users—from first-time credit cardholders to premium lifestyle seekers.
AU Bank credit cards are Visa and RuPay powered, accepted globally, and come with exciting offers, cashback, travel perks, and more. Some popular AU Bank Credit Cards include:
- AU Bank Altura Plus Credit Card
- AU Bank Zenith Credit Card
- AU Bank Vetta Credit Card
- AU Bank LIT Credit Card (customizable features)
Benefits of AU Bank Credit Cards
Here are some major advantages of using an AU Bank Credit Card:
1. Reward Points & Cashback
Earn reward points on every spend, and enjoy cashback on select categories like fuel, dining, shopping, and online transactions.
2. Zero Joining Fees (On Select Cards)
Some AU Bank cards have zero joining or annual fees, making them ideal for budget-conscious users.
3. Lounge Access
Premium cards like Zenith or Vetta offer complimentary airport lounge access—a big plus for frequent travellers.
4. Fuel Surcharge Waiver
Get a fuel surcharge waiver on transactions at fuel stations across India.
5. Smart EMI Options
Convert large purchases into easy EMIs directly through your credit card.
6. Customizable Benefits
With the AU LIT Credit Card, you can customize your features—from cashback to travel rewards—based on your needs.
7. Security & Contactless Payments
All AU Bank Credit Cards are enabled with contactless technology for fast and secure payments.
Who Can Apply for an AU Bank Credit Card?
AU Bank Credit Cards are available to both salaried and self-employed individuals who meet the bank’s eligibility criteria.
🔹 Basic Eligibility Criteria:
- Age: 21 to 60 years (for salaried), up to 65 years (for self-employed)
- Income: Minimum monthly income (varies by card, starting from ₹20,000 approx.)
- Credit Score: Good credit history (typically 700+ preferred)
- Must be a resident of India
How to Apply for an AU Bank Credit Card?
You can apply for an AU Bank Credit Card both online and offline:
🔸 Online Application Process:
- Visit the official website: https://www.aubank.in
- Navigate to the “Credit Cards” section.
- Choose the card that suits your lifestyle.
- Click on “Apply Now”.
- Fill out your details (name, mobile, PAN, income, etc.).
- Upload necessary documents.
- Submit your application.
You will receive a call or email from AU Bank regarding the next steps.
🔸 Offline Method:
- Visit the nearest AU Bank branch.
- Speak to a representative.
- Fill out the physical application form.
- Submit your KYC and income documents.
Documents Required
- PAN Card
- Aadhaar Card or other valid ID proof
- Address proof (Aadhaar/Voter ID/Utility Bill)
- Income proof (salary slips, ITR, or bank statements)
Best AU Bank Credit Cards at a Glance
| Credit Card | Best For | Key Feature |
|---|---|---|
| AU Zenith | Premium users | Free lounge access, high reward rate |
| AU Vetta | Lifestyle users | Travel & entertainment benefits |
| AU Altura Plus | Cashback lovers | 1.5% cashback on everyday spends |
| AU LIT (Live It Today) | Customization | Personalize your benefits every month |
Final Thoughts
AU Bank Credit Cards offer a modern and rewarding experience for users who want more from their daily spending. Whether you are a travel enthusiast, online shopper, or someone looking for simple cashback, AU Bank has a card that fits your needs.
Ready to enjoy more from your money? Check your eligibility and apply for an AU Bank Credit Card today—the smarter way to spend.
