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AU Small Finance Bank
AU Purchase Credit Card
Shopping
1st Year Fee: ₹ 0
Travel
8 domestic lounge visits every year
No Fee
Lifetime free card with no joining/annual fee
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About AU Purchase Credit Card
AU Purchase Credit Card is a business credit card designed to help businesses streamline purchase-related expenses while improving cash flow management. With an interest-free period of up to 48 days, the card enables businesses to optimize their working capital by reducing immediate cash outflows and managing short-term funding requirements more efficiently. It is a suitable option for GST and tax payments, utility bill payments, procurement, and other business-related expenditures.
In addition to this, the card also offers flexibility in choosing the billing cycle, the card simplifies expense management through real-time web-based expense management. Overall, this lifetime free credit card is a suitable option business owners seeking a convenient payment solution along with basic travel benefits like complimentary lounge access.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Key Features & Benefits
- Up to 48 days of interest-free credit period
- Option to choose the billing cycle as per business requirements
- Lifetime free credit card with no joining and annual fees
- 8 complimentary domestic airport lounge visits every year (Max. 2 per quarter) on the Visa variant
- Helps optimize working capital by reducing immediate cash outflows
- Suitable for GST and tax payments, utility bill payments, procurement, and other business expenses
- Better tracking of business expenses through a web-based expense management solution with real-time tracking & reporting
AU Purchase Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | Nil |
| Late Payment Charges | Nil |
Things to Know Before you apply
Get this card if
You are looking for a business credit card to manage business purchases and operational expenses
You frequently make GST, tax, utility, or procurement-related payments
You want better visibility and tracking of business expenses
You travel within India occasionally and can benefit from complimentary domestic lounge access
Other Business Credit Cards
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What do we like about this card?
Instead of offering or cashback, AU Purchase Credit Card offers benefits like an interest-free credit period of up to 48 days, flexible billing cycles, and tools that simplify expense tracking and reconciliation. This makes it particularly useful for businesses that regularly incur expenses such as GST payments, utility bills, procurement, and other operational costs. Also, complimentary domestic lounge access adds to the overall value. Overall, AU Purchase Credit Card is best suited for business owners looking for a payment solution that improves cash flow management while simplifying expense monitoring and financial reporting.
Pros
- Up to 48 days of interest-free credit period
- Lifetime free card with no joining and annual fees
- 8 complimentary domestic airport lounge visits annually
- Simplifies expense tracking, reconciliation, and reporting
Cons
- Does not offer reward points or cashback on spends
- Complimentary lounge access is limited to domestic lounges
- Designed primarily for business expenses and may not suit personal spending requirements
Frequently Asked Questions
Everything you need to know about this credit card
The card can be used for a wide range of business expenses, including GST and tax payments, utility bill payments, procurement, and other operational or capital expenditures.
AU Purchase Credit Card offers an interest-free period of up to 48 days on eligible transactions, depending on the billing cycle and payment due date.
Yes. The Visa variant of the card offers 8 complimentary domestic airport lounge visits in a year, subject to a maximum of 2 visits per calendar quarter.
Yes. The card offers the flexibility to choose a billing cycle based on your business requirements, helping you align payments with your cash flow.
This card is best suited for business owners looking to optimize working capital, manage routine business expenses efficiently, and simplify expense tracking while availing an interest-free credit period and domestic lounge access.
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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