AU Bank Credit Card is offered by AU Small Finance Bank, India’s leading banking and financial services provider. The card comes with many benefits and features that make it an ideal choice for those looking for a reliable credit card. Credit cards are a great option to keep track of your daily expenses and earn returns on your spending. Here, we will discuss the benefits, features, and how to apply for the AU Bank Credit Card.
Get up to 7.25% Interest with AU Small Finance Bank Saving Account
AU Bank Credit Card Review
| Article Topic | Au Bank Credit Card Apply Online |
| Joining Fee | Nil |
| Renewal Fee | Rs 199 Onwards |
| Welcome Benefit | Free voucher of Rs 2000 on spends > Rs 30000 using AU Vetta Credit Card Free voucher of Rs 500 on spends > Rs 10000 using AU Altura Credit Card 5% Cashback on Rs 2500 retail spending with Altura Plus Credit card Free voucher of Rs 10000 on 1st POS Retail Spend using AU Zenith Credit Card |
| Age | 21 Years & above |
| Credit Limit | Upto 5 lakhs |
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AU Bank Credit Card Category Wise Details
| Card Variant | Interest Free Period | Joining Fee |
| Zenith Credit Card | Up to 48 days | NIL |
| Vetta Credit Card | Up to 48 days | NIL |
| Altura Plus Credit Card | Up to 48 days | NIL |
| Altura Credit Card | Up to 48 days | NIL |
| LIT Credit Card | Up to 48 days | NIL |
Features & Benefits of AU Bank Credit Card
Welcome gifts
- Free voucher of Rs 2000 on spends > Rs 30000 using AU Vetta Credit Card
- Free voucher of Rs 500 on spends > Rs 10000 using AU Altura Credit Card
- 5% Cashback on Rs 2500 retail spending with Altura Plus Credit card
- Free voucher of Rs 10000 on 1st POS Retail Spend using AU Zenith Credit Card
Travel
- 2 Complimentary railway lounge access with AU Altura & Altura Plus credit card
- 1 Complimentary airport lounge access with AU Vetta & Zenith Credit Card
Other
- 1% Fuel Surcharge waiver on fuel purchases above Rs 400
- 2% Cashback on all retail spends with AU Altura credit card
- 1000 Reward points on completing 1 retail transaction on the user’s birthday with an AU Vetta credit card
- 2500 Reward points on completing 1 retail transaction on the user’s birthday with an AU Zenith credit card
AU Small Finance Bank Credit Cards Benefits
Zenith Credit Card
- Premium Lifestyle & Loaded Rewards on every spend.
- Luxury Hotel Membership
- Complimentary Lounge access and Global Concierge.
- Lower Currency Mark-up fee at 1.99%
- Rs. 70,000+ Yearly Benefits on just Rs. 75,000 monthly spending
Vetta Credit Card
- Multi-Rewards & Lifestyle benefits
- Accelerated Reward Points on Utility Bill payments, Grocery & Departmental Stores.
- Complimentary Lounge Access & Global Concierge.
- Comprehensive Insurance Cover on Card.
- Rs. 25,000+ yearly Benefits on just Rs. 35,000 monthly Spends!
Altura Plus Credit Card
- Double the Delight. Earn both Cashback & Reward Points.
- Attractive Welcome Benefit & Monthly Milestone Benefits.
- Complimentary Railway Lounge access.
- Complimentary Lost Card Liability cover.
- Rs. 4,000+ Yearly Benefits on just Rs. 20,000 monthly spending
Altura Credit Card
- Save Big. Up to 7% Cashback as an introductory offer.
- Attractive Monthly Milestone Benefits.
- Complimentary Railway Lounge access.
- Complimentary Lost Card Liability cover.
- Rs. 2,000+ Yearly Benefits on just Rs. 10,000 monthly spending
AU Bank Credit Card Fee and Charges
| Description of Charges | AU Small Finance Bank Credit Card Charges | ||
| Interest Free Period | Up to 48 days not applicable for Cash Withdrawal | ||
| Minimum Repayment Amount | 5% or minimum Rs. 100 | ||
| Annual/ Renewal Fee | Altura Altura Plus Vetta Zenith LIT | Rs. 199 Rs. 499 Rs. 2999 Rs. 7999 Lifetime Free | |
| Additional Card Fee | Lifetime Free | ||
| Charges on Revolving Credit | Altura, Altura Plus, Vetta – 3.49% per month (41.88% annually) Zenith – 1.99% per month (23.88% annually) LIT – 3.49% per month (41.88% annually) | ||
| Late Payment Charges | Total Amount Due/Statement Balance | Late Payment Charges | |
| Less than or equal to INR 100 | Nil | ||
| Above INR 100 and up to INR 500 | INR 100 | ||
| Above INR 500 and up to INR 5000 | INR 500 | ||
| Above INR 5000 and up to INR 10000 | INR 700 | ||
| Above INR 10000 and up to INR 20000 | INR 800 | ||
| Above INR 20000 and up to INR 50000 | INR 900 | ||
| Above INR 50000 | INR 1100 | ||
| Overlimit Charges | 2.5% of over limit amount, subject to a minimum of Rs. 500 | ||
| Foreign Currency Transaction – Cross Currency Mar up Charges | Altura Altura Plus Vetta Zenith LIT | 3.49% 3.49% 2.99% 1.99% 3.49% | |
Eligibility Criteria Salaried (AU Bank Credit Card)
Age Group: 21-60 years
Resident: The individual should either be a Resident of India or a Non-Resident Indian.
KYC: Customer mobile number should be linked with Aadhar Card.
Income Range: Minimum Income Required 15000/-
Documents for AU Bank Credit Card application:
- PAN card photocopy
- Color photograph
- Identity proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhar Card, Voter’s ID Card, Driving Licence.
- Address proof: Any one of the documents – Telephone bill, Electricity Bill, Passport, Ration Card, Rental agreement, Aadhar Card
- Income Proof: Salary Certificate, Recent Salary Slip, Employment Letter, 16 A Certificate, Income tax Return with Computation Chart
Eligibility Criteria Self-Employed
Age Group: 25 years and above
Income Range: You must have a regular source of Income.
Documents Required:
- Identity proof: Any one of the documents – Passport, PAN Card, Ration Card, Aadhar Card, Voter’s ID Card, Driving Licence.
- Address proof: Any one of the documents – Telephone bill, Electricity Bill, Passport, Ration Card, Rental agreement, Aadhar Card
- Income Proof: Certified financials, Recent ITR (Income Tax Returns), Audited profit and loss statement or Balance Sheet
How to Apply for AU Bank Credit Card Online?
- Visit the AU Small Finance Bank Credit Card web page by clicking on the below ‘Apply Now Button
- Enter your Aadhar ID/Virtual ID, tick the checkbox, and click on ‘Get OTP.’
- Card delivery addresses and displayed on the Screen based on the Aadhar address and the Latest 2 addresses reported in the Bureau. Select an address and click ‘Next’
- Enter the employee details such as employment type, number of years in service, and office address details
- The best offer is 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 the Video KYC
- Now the application has been successfully submitted and will be updated within 3 working days.
AU Bank Credit Card Customer Care Number
By Phone: You can call the company’s customer care number on 1800-1200-1500
Email: You can also contact customer care through email. Below is the email address for specific queries:
- Credit Card Related queries: [email protected]
- Queries: [email protected]
- [email protected] (Reward Points related)
- [email protected] (For commercial Credit Cards customers)
FAQ Related to AU Bank Credit Card
Is AU SFB credit card free?
No, the AU SFB Credit Card is not free as it has an annual fee. However, the amount is waived off if the cardholder spends a specific amount in the calendar year.
What are AU SFB credit card charges?
AU SFB implements various charges on its credit cardholders for providing a range of services such as annual fees, renewal fees, cash advance charges, cash withdrawal charges, late payment fees, etc.
I have an AU Altura Credit Card. Will my annual fee be waived in the second year?
Yes, your annual fee will be waived from the second year if you have a retail spend of Rs 40,000 in the previous card anniversary year.
Is AU Bank RBI approved?
AU Small Finance Bank is an RBI-approved Small Finance Bank. RBI issued a license to the bank under section 22(1) of the Banking Regulation Act, 1949 to conduct business as a Small Finance Bank in India.
What is the limit of the AU Bank credit card?
The credit limit for your AU Bank credit card is fixed based on your CIBIL score and income. Generally, the credit limit ranges between Rs. 25,000 – Rs. 5,00,000.
What is the minimum age limit for AU Bank Credit cards?
The main eligibility criteria to apply for AU Bank Credit Card are: If you are the primary cardholder, you must be between 21 years to 60 years of age. The individual should be a Resident of India to apply for an AU Bank Credit Card.
How many types of credit cards are there in AU Bank?
AU Bank credit cards include LIT, Zenith, Vetta, Altura Plus, Altura. All the cards offer a host of rewards and complimentary benefits.
How to Contact AU Bank Credit Card Customer Care?
You can also call the customer care number 1800-1200-1500 for any related query to AU Small Finance Bank Credit Card. You can also get your questions answered by sending mail to [email protected]
