AU Credit Card

While the features and benefits of AU Credit Cards vary as per the card variant, there are some common features that come with most AU Cards, as listed below:

AU Rewardz: AU has its own loyalty rewards program called AU Rewardz. This program allows AU credit card users to earn reward points every time they use their card to make any purchase online or offline. The accrued reward points can later be redeemed against the products and services listed in the rewards catalogue, which include movie tickets, travel bookings, brand vouchers and other merchandise.

Also Check: Best Rewards Credit Card

Xpress Loan: Through this facility, AU credit cardholders can avail instant loan to cover an urgent financial need. The Xpress Loan feature is available at a processing fee of 2% of the loan amount and can be repaid in instalments over flexible tenures of 6, 12, 18, 24 or 36 months. The process of availing this pre-approved loan offer is quite convenient and requires no documentation.

Xpress EMI: Using this AU Credit Card EMI facility, cardholders can convert eligible purchases worth Rs. 2,000 or above into EMIs. If you wish to avail this feature at the time of transaction, then you can opt for the ‘Instant EMI’ option. Some brands also allow the option of ‘No or Low Cost EMI’. With flexible tenures of 3, 6, 9, 12, 18 and 24 months, this instant EMI feature comes without any additional documentation and at a processing fee of Rs. 199 plus GST.

Device Protection Plan: This free protection plan helps AU credit cardholders with the repair cost of their electronics. Under this plan, you get 1-year protection against screen damage for your mobile phones and tablets. In addition to this, you also get free 1-year extended insurance cover on a variety of white goods.

Some of the common fees and charges associated with AU Credit Cards are given in the table below:

Certain charges vary according to the card variant. To view the detailed AU Credit Card charges, click here.

The common eligibility criteria and the documents required to apply for AU Credit Card are as follows:

• Age: Your age should be between 21 and 60 years to apply for AU Credit Cards. Add-on cardholders must be above 18 years old in age.
• Occupation: Both salaried and self-employed individuals can apply for AU Credit Card.
• Income: The minimum income requirement for AU credit cards varies as per the card variant. Entry level cards would have relatively lower income requirement than premium options.

Documents Required for AU Credit Cards

When applying for an AU Credit Card, the issuer may ask for your identity proof, address proof and income proof. Click here for the list of acceptable documents for AU Credit Card application.

In addition to the above parameters, your AU credit card eligibility is also dependent on other internal policies of the bank.

You can apply for select AU credit cards online through Paisabazaar via a completely digital process. Follow the steps given below:

Step 1: Click here to go to the form and enter your mobile number to begin the online application process.
Step 2: Provide the OTP sent to your mobile number for verification.
Step 3: Check and compare the pre-qualified best credit card offers that you are eligible for to select the best suited one for you.
Step 4: Complete the application process for your preferred card by filling out the detailed form and provide the required documents.

If you are unable to view the credit card offer of your choice on our platform, you may apply directly on the respective bank’s website.

Which AU Credit Card is best?

AU Small Finance Bank credit cards are available across various categories, such as travel, dining, and shopping. The best AU credit card for you would depend on your lifestyle and spending habits. For example, if you travel frequently and prefer booking via Ixigo, you can opt for Ixigo AU Credit Card to save on your travel expenses.

How to redeem AU Credit Card points?

To redeem your AU Credit Card reward points, you can log in to internet banking and navigate to the credit cards section. From there, you can redeem your accumulated reward points across various categories based on your preferences.

Does AU Small Finance Bank provide a RuPay Credit Card?

Yes, AU Small Finance Bank offers AU InstaPay RuPay Credit Card, which provides benefits on regular as well as UPI spends. The bank may also offer other RuPay variant cards. For more details, you can contact customer service of the bank.

How to increase my AU Credit Card limit?

To increase your AU Credit Card limit, you can contact customer service and raise a request for a limit increase. However, approval for the limit increase depends on multiple factors, such as your monthly income, repayment history, and overall credit behavior. The bank will review your eligibility before approving the request.

How to check my AU Small Finance Bank Credit Card status?

Once you apply for an AU credit card, the bank will share your application status via SMS or email. If you have not received any update, you can contact customer care and provide your application reference number to check the status. Alternatively, you can track the status online through the official AU Small Finance Bank website.

What is AU Small Finance Bank’s Credit Card customer care number?

For any AU Credit Card-related queries, you can call the customer care number at 1800 1200 1500. If you wish to contact via email, you can write to creditcard.support@aubank.in. For queries related to Vetta and Zenith Credit Cards, you can drop an email to creditcard.priority@aubank.in.

Can I get AU lifetime free credit card?

Most AU Credit Cards are not lifetime free. All AU credit cards, except the base version of AU LIT credit card, come with an annual fee, depending on the card variant. However, the fee amount can be waived off if the cardholder spends a specific amount in the calendar year.

I have misplaced my AU Credit Card and I am not the primary cardholder. Will I be eligible for card liability cover?

No, only the primary credit cardholders are covered under the insurance benefit in case the AU card is lost, stolen or misplaced.

Also Read: Best Credit Card for Insurance Payments

I have an AU Altura Credit Card. Will my annual fee be waived off in the second year?

Yes, your AU Credit Card annual fee can be waived off from second year onwards if you make retail spends worth at least Rs. 40,000 in the previous card anniversary year.

How to close an AU Credit Card?

If you want to close your AU Small Finance Bank Credit Card, you can contact customer service and request the closure of your credit card by stating a valid reason. Besides this, you can also visit any of the nearest AU Small Finance Bank branches and close your card in person by submitting the required application form.

How do I manage my AU Credit Card?

You can manage your AU Credit Card online through the mobile banking app or via internet banking. You can set your daily transaction limit, cash withdrawal limit, contactless transaction limit, and more through the mobile app.

What kind of cashback does AU Small Finance Bank offer on its credit cards?

Many AU Credit Cards, like AU Altura, AU LIT, AU SPONT and AU InstaPay offer cashback on card spends.

How do AU credit card reward points work?

AU credit cards offer reward points on online and offline spends under the loyalty rewards program called AU Rewardz. The earned reward points are redeemable against the products available in the rewards catalogue, including brand vouchers, travel bookings, etc.

Do AU credit cards offer airport lounge access?

Yes, most of the AU credit cards offer domestic and/or international airport lounge access, including AU Zenith, AU ABC Pro, AU SPONT, AU Vetta and ixigo AU credit card, among others.

Are AU credit cards good for students or low spenders?

Yes, students who are above 18 years of age can apply for AU NOMO which is a secured credit card offered against a fixed deposit. On the other hand, low spenders can also consider cards like AU SPONT and AU Altura, depending on their spending patterns and preferences, as they offer decent value-back while charging minimal annual fee.

What is the minimum spend required for airport lounge access with AU Small Finance Bank credit cards?

Many AU credit cards do not have any minimum spend requirements associated with their international airport lounge access benefits, however some cards, like Zenith, Vetta, SPONT and others, offer domestic lounge access only if the cardholder spends a certain amount, generally Rs. 20,000, in the previous quarter.