CREDIT CARD ISSUER
AU Small Finance Bank logo

AU Small Finance Bank Credit Cards

AU Small Finance Bank offers credit cards designed around rewards, lifestyle, travel and everyday spending needs.

Total Offerings

25 Active Cards

Fee Range

₹0 (LTF) – ₹7,999

Payment Networks

Visa • RuPay

Zero Fee / LTF

2 Lifetime Free

AU SMALL FINANCE BANK PORTFOLIO

AU Small Finance Bank Credit Cards

Explore 25 active cards and filter them by how you spend.

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Showing 25 of 25 verified AU Small Finance Bank credit cards
Verified
4.1
Aditya Birla AU Bank Credit Card
BEST FOR

Fashion-forward shoppers and professionals purchasing formal and casual apparel from Aditya Birla stores.

Annual Fee₹0 (Free)
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge AccessNone / Spend-based
Forex Markup2.99%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 2 Oct 2026

visa
Verified
4.5
AU Altura Credit Card

AU Altura Credit Card

ShoppingAirport Lounge
BEST FOR

First-time credit cardholders, college graduates, and budget-conscious households looking for direct 2% cashback on monthly grocery and utility bills with minimal fee liability.

Annual Fee₹199
Rewards1% cashback on all retail transactions (capped at ₹50 per statement cycle)
Lounge Access4 Domestic visits/year · ₹20k quarterly spend required
Forex Markup3.49%
Renewal fee waived on ₹40,000 annual spend

Last verified 17 Sept 2026

visa
Verified
4.5
AU Altura Plus Credit Card

AU Altura Plus Credit Card

ShoppingAirport Lounge
BEST FOR

Young salaried professionals and online shoppers looking for reliable 1.5% online rewards, domestic airport lounge access, and a very low fee waiver threshold.

Annual Fee₹499
Rewards1 Reward Point per ₹100 spent on POS transactions (0.25% return; 1 RP = ₹0.25)
Lounge Access8 Domestic visits/year · ₹20k quarterly spend required
Forex Markup3.49%
Renewal fee waived on ₹80,000 annual spend

Last verified 17 Sept 2026

visa
Verified
4.1
AU Ananta Credit Card

AU Ananta Credit Card

TravelShoppingAirport Lounge
BEST FOR

Young professionals, weekend diners, and apparel shoppers seeking accelerated points on lifestyle spending with an accessible ₹1 Lakh fee waiver.

Annual Fee₹2,000
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.5%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

visa
Verified
4.0
AU Bank InstaPay Credit Card
BEST FOR

AU Bank savings account holders, digital shoppers, and consumers seeking an instant, zero-maintenance virtual credit card for safe e-commerce transactions.

Annual Fee₹0 (Free)
Rewards1% cashback on UPI merchant transactions across grocery, dining, and pharmacy
Lounge AccessNone / Spend-based
Forex Markup3.49%

Last verified 2 Oct 2026

rupay
Verified
4.3
AU Bank LIT Credit Card

AU Bank LIT Credit Card

TravelFuelShopping
BEST FOR

Savvy consumers who want total control over their card features and pay only for benefits they actually use.

Annual Fee₹0 (Free)
Rewards1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Lounge AccessNone / Spend-based
Forex Markup3.49%

Last verified 2 Oct 2026

visa
Verified
4.5
AU Bank Traverse Credit Card

AU Bank Traverse Credit Card

TravelAirport LoungeInternational Spends
BEST FOR

Global travelers, international business travelers, and study-abroad families seeking zero foreign currency transaction fees paired with extensive domestic and international lounge visits.

Annual Fee₹4,999
Rewards2 Reward Points per ₹100 spent domestically (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter + 8 International visits/year · ₹50k quarterly spend required (Domestic)
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹5,00,000 annual spend

Last verified 17 Sept 2026

visa
Verified
4.0
AU Bank Xcite Ace Credit Card

AU Bank Xcite Ace Credit Card

TravelShoppingAirport Lounge
BEST FOR

Budget-conscious retail shoppers, regional commuters, and young professionals seeking everyday clothing discounts and train lounge comforts.

Annual Fee₹749
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.5%
Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

visa
Verified
3.9
AU Bank Xcite Credit Card
BEST FOR

First-time cardholders, college graduates, and budget-conscious retail shoppers seeking an affordable credit card with minimal spending hurdles.

Annual Fee₹249
Rewards1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹25,000 annual spend

Last verified 3 Oct 2026

visa
Verified
4.2
AU Bank Xcite Ultra Credit Card

AU Bank Xcite Ultra Credit Card

TravelShoppingAirport Lounge
BEST FOR

Savvy online shoppers and frequent diners looking for reward points acceleration, low spend waiver hurdles, and airport lounge comfort.

Annual Fee₹749
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup2.99%
Renewal fee waived on ₹2,00,000 annual spend

Last verified 3 Oct 2026

visa
Verified
4.7
AU CA Metal Credit Card

AU CA Metal Credit Card

Airport LoungeBusiness Expenses
BEST FOR

Chartered Accountants and ICAI certified finance leaders looking for zero annual fee metal exclusivity, unlimited airport lounges, and low forex fees.

Annual Fee₹0 (Free)
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter + 4 International visits/year · ₹50k quarterly spend required (Domestic)
Forex Markup1.99%

Last verified 3 Oct 2026

visa
Verified
4.3
AU CS Credit Card

AU CS Credit Card

Airport LoungeBusiness Expenses
BEST FOR

ICSI members, corporate legal practitioners, and domestic lounge travel

Annual Fee₹0 (Free)
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter + 4 International visits/year · ₹50k quarterly spend required (Domestic)
Forex Markup1.99%

Last verified 3 Oct 2026

visa
Verified
4.0
AU Kosmo Credit Card
BEST FOR

Online lifestyle shopping, food ordering apps, and movie streaming

Annual Fee₹499
Rewards1% cashback on all standard merchant UPI transactions
Lounge AccessNone / Spend-based
Forex Markup3.49%
Renewal fee waived on ₹80,000 annual spend

Last verified 3 Oct 2026

rupay
Verified
3.4
AU Laksya Credit Card

AU Laksya Credit Card

ShoppingAirport Lounge
BEST FOR

Everyday retail shoppers, grocery runs, dining, and spend-based annual fee waivers

Annual Fee₹1,000
Rewards2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.5%
Renewal fee waived on ₹2,00,000 annual spend

Last verified 3 Oct 2026

visa
Verified
3.9
AU NOMO Credit Card

AU NOMO Credit Card

ShoppingAirport LoungeSecured / FD Backed
BEST FOR

First-time applicants, contactless mobile payments, and online grocery runs

Annual Fee₹0 (Free)
Rewards1 Reward Point per ₹100 spent offline (0.25% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.49%

Last verified 3 Oct 2026

rupay
Verified
4.3
AU Prathama Credit Card
BEST FOR

Credit beginners, micro-spenders, first-time credit cardholders, and budget-conscious shoppers

Annual Fee₹100
Rewards1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹75,000 annual spend

Last verified 3 Oct 2026

rupay
Verified
4.4
AU Spont Credit Card

AU Spont Credit Card

ShoppingAirport Lounge
BEST FOR

UPI merchant payments, digital-first online shopping, quick merchant QR checkout, and food delivery

Annual Fee₹299
Rewards1% cashback on all retail and merchant UPI transactions (capped at ₹500/month)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.5%
Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

rupay
Verified
4.0
AU Tejas Credit Card
BEST FOR

Household grocery runs, departmental store shopping, family dining, and utility payments

Annual Fee₹500
Rewards1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹1,50,000 annual spend

Last verified 3 Oct 2026

rupay
Verified
4.3
AU Vetta Credit Card

AU Vetta Credit Card

TravelShoppingAirport Lounge
BEST FOR

Urban families, grocery shoppers, and domestic commuters looking for accelerated rewards on departmental purchases and dependable travel lounge access.

Annual Fee₹2,999
Rewards1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Lounge Access1 Domestic visits/quarter · ₹50k quarterly spend required
Forex Markup3.49%
Renewal fee waived on ₹1,50,000 annual spend

Last verified 12 Oct 2026

visa
NEW LAUNCH
4.0
AU Zaggle Credit Card
BEST FOR

SME proprietors, commercial purchasing, and Zaggle expense management

Annual Fee₹499
Rewards1% on all standard retail transactions
Lounge AccessNone / Spend-based
Forex Markup3.49%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 12 Oct 2026

rupay
Verified
4.5
AU Zenith Credit Card

AU Zenith Credit Card

TravelShoppingDining
BEST FOR

High-spending diners, grocery shoppers, and leisure travelers looking for accelerated dining returns, global lounge comfort, and BookMyShow movie ticket discounts.

Annual Fee₹7,999
Rewards5 Reward Points per ₹100 spent (1.25% return; 1 RP = ₹0.25)
Lounge Access2 Domestic visits/quarter + 2 International visits/year · ₹50k quarterly spend required (Domestic)
Forex Markup3.49%
Renewal fee waived on ₹5,00,000 annual spend

Last verified 12 Oct 2026

visa
Verified
AU Small Finance Bank

AU Zenith+ Credit Card

•••• •••• •••• Card2026
BEST FOR

Luxury Travelers, Frequent International Flyers, High Spenders & Golf Enthusiasts

Annual Fee₹4,999
Rewards2 Reward Points per ₹100 spent (1.0% return; 1 RP = ₹0.50 on travel)
Lounge Access4 Domestic visits/quarter + 16 International visits/year
Forex Markup0.99%
Renewal fee waived on ₹8,00,000 annual spend

Last verified 2 Oct 2026

visa
NEW LAUNCH
4.2
CheQ AU Credit Card
BEST FOR

Credit card bill payments via CheQ app, daily UPI QR payments, and zero-fee routine retail spending.

Annual Fee₹0 (Free)
Rewards1% on all standard retail transactions
Lounge AccessNone / Spend-based
Forex Markup2.99%

Last verified 12 Oct 2026

rupay
Verified
4.4
ixigo AU Credit Card

ixigo AU Credit Card

TravelAirport LoungeInternational / Forex
BEST FOR

Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters

Annual Fee₹0 (LTF)
Rewards5 Reward Points per ₹200 spent on eligible online, offline retail, and UPI transactions (0.625% standard return; up to 1.25% when redeemed as ixigo money at 1 RP = ₹0.50)
Lounge Access2 Domestic visits/quarter + 1 International visits/year · ₹50k quarterly spend required (Domestic)
Forex Markup0% (Zero Forex)

Last verified 27 Oct 2026

rupay
Verified
4.3
Paytm AU Credit Card

Paytm AU Credit Card

TravelShopping
BEST FOR

Paytm UPI spends, Paytm Travel flight bookings, and Paytm Gold

Annual Fee₹0 (LTF)
Rewards1 RP per ₹100 eligible spends (1% effective via Paytm Gold; ~0.5% other redemptions)
Lounge AccessNone / Spend-based
Forex Markup3.49%

Last verified 27 Oct 2026

rupay
COMPETITOR BENCHMARK

Compare AU Small Finance Bank vs Competitor Banks (2026)

Benchmark AU Small Finance Bank flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

AU Small Finance Bank vs Competitor Banks (2026 Comparison)

Open Compare Matrix
Bank & Flagship CardKey SpecializationAnnual FeeTop Highlight / PerkAction
Cashback₹1,0005% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)Explore
Cashback₹999Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-inExplore
CashbackFree (LTF)Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal chargesExplore
Cashback₹50025% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks AppExplore
TravelFree (LTF)100% Lifetime Free card with zero joining fee and zero annual maintenance fees foreverExplore
Travel₹5,000Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spendExplore
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About AU Small Finance Bank Credit Cards

Issuer history, core reward architecture, and market position

Why Choose AU Small Finance Bank Credit Cards?

Distinctive advantages of holding cards from AU Small Finance Bank

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

AU Small Finance Bank Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

  • Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
  • Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
  • Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
  • Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

  • Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
  • Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
  • Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
  • Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.
Frequently Asked Questions

Frequently Asked Questions About AU Small Finance Bank Credit Cards

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