Au bank Credit Card is offered by Au small finance bank, India’s leading banking and financial service provider. The card comes with many benefits and features that make it an ideal choice for those who looking for a reliable credit card.
Using credit cards is an excellent way to monitor your everyday spending and get rewards for it. Here, we will discuss the benefits, features and how to apply for the au bank credit card.
AU Bank Credit Card Category wise Details
Card Variant | Interest free Time | Joining Fee |
Zenith Credit Card | Up To 45 days | NIL |
Vetta Credit Card | Up To 45 days | NIL |
Altura Plus Credit Card | Up To 45 days | NIL |
Altura Credit Card | Up To 45 days | NIL |
LIT Credit Card | Up To 45 days | NIL |
Advantages And Features Of AU Bank Credit Cards
Welcome Gifts :-
- Free vouchers of INR 2000 on spends above INR using AU Vetta Credit Card.
- Free voucher of INR 500 on spends above INR 10000 using AU Altura Credit Card.
- 5% Cash back on INR 2500 Retail spending using Alrura Plus Credit card.
- Free vouchers of INR 1000 on 1 POS Retail Spend using AU Zenith Credit Card.
Travel:-
- 2 Complimentary railway lounge access with AU Altura and Alrura Plus Credit Card.
- 1 Complimentary airport lounge access with Vetta And Zenith Credit Card.
Others :-
- 1% Fuel Surcharge waiver on fuel purchases above INR 400.
- 2% Cash back on all retail spends with AU Altura Credit Card.
- 1000 Reward points on completing 1 retails transaction on the user’s birthday with AU vetta Credit Card.
- 2500 Reward points on completing 1 retail transaction on the user’s birthday with AU Zenith Credit Card.
AU Small Finance Bank Credit Card Benefits
Zenith Credit Card :-
- Premium Lifestyle and Loaded Rewards on each spends.
- Luxury Hotel Membership
- Complimentary Lounge access & Global Concierge
- Lover Currency Mark-Up fee at 1.99%.
- INR 70,000+ Yearly benefits on just INR 75,000 monthly spending
- 1st year Fee of INR 7999 will be waived after spending INR 1,25,00 on retail within 90 days of card setup
- Renewal fee for next year onward waived after spending INR 5,00,000 on retail in previous card anniversary year.
Vetta Credit Card :-
- Multi-Reward and Lifestyle benefits
- Accelerated Reward points in Utility bill payments, Grocery and Departmental Stores
- Complimentary Lounge Access and Global concierge
- Comprehensive insurance Cover on Card
- INR 25,000+ Yearly benefits on Just INR 35,000 monthly spends.
- 1st year Fee of INR 2,999 will be waived after spending INR 40,0,00 on retail within 90 days of card setup
- Renewal fee for next year onward waived after spending INR 1,50,000 on retail in previous card anniversary year.
Altura Plus Credit Card :-
- Double the Delight Earn Reward Points and Cash Back
- Attractive Monthly Millstone benefits and Welcome Benefits
- Complimentary Railway Lounge Access
- Complimentary Lost Card Liability cover
- INR 4,000+ Yearly benefits on Just INR 20,000 monthly spends
- 1st year Fee of INR 499 will be waived after spending INR 20,,000 on retail within 90 days of card setup
- Renewal fee for next year onward waived after spending INR 80,000 on retail in previous card anniversary year.
Altura Credit Card :-
- Save big Up to 7% Cash back as an introductory offer
- Attractive Monthly milestone Benefits
- Complimentary Railway Lounge Access
- Complimentary Lost Card Liability cover
- INR 2,000+ Yearly benefits on Just INR 10,000 monthly spends
- 1st year Fee of INR 199 will be waived after spending INR 1,0,000 on retail within 90 days of card setup
- Renewal fee for next year onward waived after spending INR 40,000 on retail in previous card anniversary year.
AU Bank Credit Cards Fee & Charges
| Charges Descriptions | AU Bank Credit Cards Fee & Charges | |||||||||||||||||
| Interest Free Time | Up to 45 days (Not Applicable for cash Withdrawal ) | |||||||||||||||||
| Minimum Repayment | 5% of Billing Amount or Minimum INR 100 | |||||||||||||||||
| Annual/Renewal Fee | Altura Altura Plus Vetta Zenith LIT | INR 199 INR 499 INR 2999 INR 7999 Lifetime Free | ||||||||||||||||
| Additional Card Fee | Lifetime Free | |||||||||||||||||
| Revolving Credit Charges | Altura Altura Plus Vetta Zenith LIT | 3.49% per month (41.88 Annually) 3.49% per month (41.88 Annualy) 3.49% per month (41.88 Annualy) 1.99% per month (23.88 Annualy) 3.49% per month (41.88 Annualy) | ||||||||||||||||
| Charges of Late Payment |
| |||||||||||||||||
| Overlimit Charges | 2.5% of limit Amount OR Minimum INR 500 | |||||||||||||||||
| Foreign Currency Trns – Cross Currency markup charges | Altura Altura Plus Vetta Zenith LIT | 3.49% 3.49% 2.99% 1.99% 3.49% | ||||||||||||||||
Eligibility Criteria for Salaried (AU Bank Credit Cards )
- Age Range: 21 to 60 Years Old
- Resident: The person must be either an Indian resident or non-resident.
- KYC – Customer Contact Number should be Linked with Aadhar Card
- Required Income – Minimum INR 15000 Monthly
Eligibility Criteria for Self - Employed (AU Bank Credit Cards )
- Age Range: 25 years old and up
- Resident: The person must be either an Indian resident or non-resident.
- KYC – Customer Contact Number should be Linked with Aadhar Card
- Required Income – You must have verified regular source of income
How To Apply for AU Bank Credit Card Online
Please Follow below Steps after Click on the Above “Click To Apply” Button
- Enter your Aadhar number Virtual ID Tick mark checkbox and Click on ‘Get OTP’
- Card delivery address and displayed on the screen based on the aadhar Address and the latest Addresses reported in the Bureau, Select an address and Click on “Next’.
- Enter Employment Details and office address.
- Your best credit card offer shown on the screen if you are eligible for a credit card, Select the card that you wish to apply for and click ‘Next’.
- Upload the Required documents and complete your Video KYC.
- Now your Application has been successfully submitted and will be updated within 2 working days.
AU Bank Credit Card Customer Care Number
Connect to customer Care via Phone Call on Toll Free No. 1800-1200-1500
You can also connect to customer care via below Emails :-
- General Queries – creditcard.priority@aubank.in
- Credit card Related queries – creditcard/support@aubank.in
- Reward Points Related – customercare@rewards.aubank.in
- Commercial credit card Queries – corpcc.support@aubnak.in
Frequently Asked Questions (FAQ’s)
Q:What is limit of au bank credit card?
A:Unfortunately, I can’t tell you the exact limit of an AU Bank credit card because it depends on several factors that are specific to each individual applicant. Generally, Au bank credit cards limit range is between 25,000 to 5,00,000.
Q: Which AU Bank credit card is best for travel enthusiasts?
A: Consider the AU Vistara Signature Card for lounge access, travel insurance, and priority boarding.
Q: Can I check my AU Bank credit card eligibility online?
A: Unfortunately, no. You need to contact the bank or submit an application for pre-approval.
Q: How can I avoid foreign transaction fees with my AU Bank credit card?
A: Look for cards offering fee waivers or consider travel-specific cards with lower rates.
Q: What are the security features of AU Bank credit cards?
A: Most cards offer chip & PIN technology and fraud monitoring. Enable SMS alerts for transactions.
Q: What should I do if my AU Bank credit card is lost or stolen?
A: Immediately report it to the bank and block the card to prevent unauthorized transactions.
Q: Are there any student-specific credit cards offered by AU Bank?
A: Currently, no. However, some cards have lower eligibility requirements suitable for young adults.
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