What is an AU Credit Card?

The AU Small Finance Bank offers the AU Credit Card. They are designed to give an enhanced financial and lifestyle experience through a wide range of premium services, rewards, and exclusive privileges. Benefits of AU Credit Cards encompass an entire range of options suitable for diverse spending habits-from travel perks to cashbacks, tailored card features, and more. 

AU Small Finance Bank offers five main credit cards currently. These are the LIT, Zenith, Vetta, Altura Plus, and Altura credit cards, each crafted for specific lifestyles and financial requirements.AU Small Finance Bank offers five main credit cards currently. These are the LIT, Zenith, Vetta, Altura Plus, and Altura credit cards, each crafted for specific lifestyles and financial requirements. AU Small Finance Bank is a prominent Indian financial institution offering a wide range of banking and credit products.

Types of AU Credit Cards

AU Small Finance Bank has its range of credit cards suitable for different types of lifestyles and preferences and, at the same time, having its own benefit. Now, let us get to know the specific details about each AU Credit Card.

1. LIT Credit Card
   • India’s first customizable credit card, where you can choose features based on your lifestyle.
   • Turn them on/off according to requirements and avail maximum benefits.
   • 5% cashback on travel, dining, grocery and 1 Reward Point on every ₹100 spend
   • 4 complimentary lounge access per quarter
   • Free three months of memberships on ZEE5, Amazon Prime and Cult fit.
2. Zenith Credit Card
   • Domestic and international airport lounges, and railway lounges in selected stations in India get free access.
   • 10,000 Reward Points can be earned if ₹1 lakh is spent within the initial 60 days of card issuing.
3. Vetta Credit Card
   • Airport and railway lounges get free access.
   • ₹1 lakh to ₹5 lakh worth transactions get1% fuel surcharge waived. To know more, read our detailed guide on fuel surcharge on credit cards.
4. Altura Plus Credit Card
   • 2 Railway lounge free access passes quarterly in select cities
   • Waiver on 1% fuel surcharge.
   • 1.5% cash back on point-of-sale or POS retail transactions, double reward points on online purchases.
5. Altura Credit Card
   • 2 free railway lounge access passes per quarter.
   • ₹50 cash back if one spends ₹10,000 in a statement cycle.
   • Introductory offer of 7% cash back: 2% cash back on regular spending.

Features and Benefits of AU Credit Cards

AU Credit Cards is very comprehensive with its suite of benefits that includes, but are not limited to, reward, cashbacks, and convenience to give an integrated experience of the user. Provided below are some more articulated lists of some of those benefits under each AU Credit Card:.

• Customization: LIT Credit Card is the first customizable credit card in India. The user can turn on and off certain features based on his spending pattern, thereby maximising the value of the card.
• Reward Points and Cashback: AU Credit Cards are built for providing the users with sizable cashback and reward points. For instance, the LIT Credit Card offers 5% cashback on specific categories like travel, dining, and groceries. The Altura and Altura Plus cards offer a number of cashback percentages on retail transactions also.
• Travel Perks: Many of the AU Credit Cards are offering free lounge passes at the airport and train stations, thus making this a fantastic choice for someone who travels quite often. The lounges covered both domestic and international, allowing cardholders maximum comfort during travels.
• Additional Benefits: The LIT Credit Card provides far more benefits, such as free memberships at multiple streaming and fitness channels. All of the access to ZEE5, Amazon Prime, and Cult.fit make for healthier and entertaining lifestyles.

AU Credit Card Charges

AU Small Finance Bank charges an annual fee for some of the credit cards. The fees depend on the card level and its rewards. Here are the charges:

• Zenith Credit Card: ₹7,999 annually
• Vetta Credit Card: ₹2,999 annually
• Altura Plus Credit Card: ₹499 annually
• Altura Credit Card: ₹199 annually
• LIT Credit Card: Lifetime free card, with no annual or renewal fees

Exclusive Offers with AU Credit Cards

AU Small Finance Bank offers several year-round offers and special discounts across categories including dining, travel, health, entertainment, and device protection. Among the various offers, the AU Silver Spoon dining program is also offered to all AU Credit Cardholders. It allows customers to avail discounts and other special benefits at specific restaurants.

Key Services for AU Credit Cardholders

AU Small Finance Bank provides various services to guarantee a safe and hassle-free experience for its credit card customers. Some of the services include:

1. Block Lost/Stolen Card
   • In case of a lost or stolen card, AU Small Finance Bank provides a quick procedure for the cardholder to block his card and prevent unauthorised use. This feature ensures that cardholders can secure their finances with just a few clicks.
2. Set/Reset Credit Card PIN
   • In a few minutes, cardholders will be able to set or reset an AU Credit Card PIN because the process is streamlined and simple and safe to update their PIN if needed.
3. Activate AU Credit Card
   • Activating an AU Credit Card will be easy and fast to do online with the received PIN, which ensures that users will immediately be able to use their card without waiting.
4. Apply for an Add-On Card
   • AU Credit Cardholders can apply for an add-on card, but the applicant must be at least 18 years old and have a relationship with the bank. Add-on cards enable family members or dependents to enjoy the main account of the main cardholder.
5. Credit Card Application Status
   • The application status feature allows users to trace the progress of their credit card application. Therefore, the user will automatically get updated on approval or additional requirements.

How to Activate an AU Credit Card

Activation of the AU Credit Card is not something difficult. It is all easy if you take all the steps in turn mentioned below:

1. Step 1: Go to the aubank.in website, select Cards and then proceed for the Credit Cards, which appears after clicking Credit Card Services.
2. Step 2: Now, you’ll come across the ‘Click Here’ button; you will now have to click Activate Credit Card.
3. Step 3: Enter your credit card number and authenticate by filling in the OTP sent to your registered mobile number.

Proceed further with the instructions received there to complete the process for activation.

Eligibility for AU Credit Cards

The eligibility criteria for AU Credit Cards are developed by the bank so that there are options of cards offered according to the background and spending of users. The type of cards changes their requirement, but generally speaking, AU Small Finance Bank pays attention to age, income, and credit score when the applicant applies for their card. This bank allows users to check their eligibility from home; therefore, selection is done in the minimum time.

Read More:

• What is an Unbilled Transaction in a Credit Card?
• What is Current Outstanding in Credit Cards?

Is an AU Credit Card Right for You?

AU Credit Cards suit almost any lifestyle and financial need. For anyone looking for a credit card that provides flexibility, travel benefits, cashback, and many lifestyle privileges, the cards of AU are probably perfect for you. Whether you’re looking for the personalization of the LIT Credit Card, the rewards value of the Zenith Credit Card, or the travel and fuel savings of the Vetta and Altura cards, there’s probably an AU Credit Card to fit your needs.

Each card variant is tailored to different usage scenarios, so that various users with different income and lifestyle preferences can enjoy what AU Small Finance Bank offers. Whether it is a first-time user of credit cards or someone looking for premium offers, AU Small Finance Bank ensures a complete suite of credit cards designed to cater to diverse financial needs.