Best AU Bank Credit Cards

AU Bank (AU Small Finance Bank) is a reliable financial institution committed to providing personalized and accessible banking services. Established with the vision of empowering individuals and businesses, AU Bank has rapidly gained trust by fostering financial inclusion and delivering seamless banking experiences.

AU Credit Cards can be your gateways to financial flexibility and a world of benefits tailored for your convenience. Designed with you in mind, AU Bank Credit Cards go beyond transactions; they are tools to enhance your financial journey.

Benefits of AU Bank Credit Cards:

AU Bank Credit Cards stand out in the financial landscape, offering a range of benefits that go beyond the ordinary. Here’s a closer look at how these credit cards can enhance your financial experience:

1. Tailored Reward Programs:

AU Bank understands that every cardholder has unique preferences. That’s why their credit cards feature tailored reward programs. Whether you’re a frequent traveler, a shopping enthusiast, or someone who values cashback, AU Bank’s reward programs are designed to resonate with your lifestyle. This personalization ensures that you’re not just earning points but meaningful rewards that align with your interests.

2. Transparent and low annual fees:

One of the significant advantages of AU Bank credit cards is the transparency and affordability of their fee structure. Unlike some credit cards that come with hidden charges, AU Bank lays out its annual fees clearly. This transparency allows cardholders to manage their finances more effectively, knowing exactly what to expect. The low annual fees further contribute to the overall cost-effectiveness of owning an AU Bank credit card.

3. Competitive Interest Rates for Financial Flexibility:

AU Bank prioritizes financial well-being by offering credit cards with competitive interest rates. This is particularly beneficial for those who may need to carry a balance on their cards from time to time. The favorable interest rates provide cardholders with the flexibility to manage their financial obligations without incurring exorbitant charges, making AU Bank Credit Cards a practical choice for responsible financial planning.

4. Exclusive Lifestyle Perks:

Beyond the financial aspects, AU Bank credit cards come with exclusive lifestyle perks that elevate the overall cardholder experience. These may include complimentary access to airport lounges, travel insurance coverage, or discounts on premium services. By integrating these lifestyle perks, AU Bank ensures that its credit cards cater to the diverse needs and aspirations of its clientele, transforming everyday transactions into rewarding experiences.

Types of AU Bank Credit Cards:

AU Bank offers a variety of credit cards tailored to different needs and preferences. Here are the main types of AU Bank credit cards: Zenith, Vetta, Altura, and LIT.

1. AU Zenith Credit Card: Elevate Your Experience

AU Zenith, standing as the zenith of premium credit cards, redefines the pinnacle of financial luxury. Offering an array of benefits and exclusive offers, AU Zenith ensures a credit card experience that goes beyond expectations.

Key Benefits:

• Unmatched premium privileges.
• Exclusive offers for a personalized touch.
• Tailored to provide the best-in-class benefits.

2. AU Vetta Credit Card: Where Luxury Meets Lifestyle

AU Vetta is a testament to opulence, delivering premium privileges that extend beyond conventional credit card offerings. Immerse yourself in a world of accelerated reward points, 24×7 global concierge services, and complimentary access to airport and railway lounges.

Key Features:

• Multiple lifestyle benefits.
• Accelerated reward points for every transaction.
• Unparalleled global concierge services.

3. Altura Plus AU Small Finance Credit Card: Redefining Rewards

Altura Plus, part of the AU Small Finance Credit Card range, goes beyond the ordinary by offering numerous milestone gains, cashback, and reward points. Experience the luxury of flexible redemption options, ensuring your rewards translate into double the delight.

Key Highlights:

• Milestone gains for financial achievements.
• There are various ways to redeem reward points.
• Tailored to provide double the luxury and delight.

4. Altura AU Small Credit Card: Your Practical Companion

The Altura AU Small Credit Card is crafted to be the perfect companion for your everyday spending needs. Enjoy a wide variety of additional benefits, including cashback, railway lounge access, and complimentary card liability cover, making it a practical choice for every transaction.

Key Features:

• Cashback rewards for specified spending.
• Convenient railway lounge access.
• Complimentary card liability cover for added security.

5. AU LIT Credit Card: Your Customizable Financial Companion

AU LIT revolutionizes the credit card experience as India’s first customizable card. It empowers you to build your credit card just the way you like it. With the freedom to select, change features, and manage them in real time, AU LIT provides an unparalleled level of personalization.

Key Advantages:

• India’s first customizable credit card.
• Freedom to choose and modify features.
• Real-time tracking and management on the go.

How to Apply for an AU Bank Credit Card:

Applying for an AU Bank Credit Card is a straightforward process, and here’s a step-by-step guide to help you navigate through it seamlessly.

A. Eligibility Criteria

Before you initiate the application process, it’s essential to understand the eligibility criteria for AU Bank credit cards. While specific requirements may vary based on the type of card, here are some common eligibility factors:

1. Age Criteria:
   • Typically, applicants should be within a specified age range, which varies for different cards.
   • For example, the minimum age might be 21 years, and the maximum could be 65 years.
2. Income Requirements:
   • AU Bank may have minimum income criteria for different credit cards.
   • Ensure your income meets or exceeds the specified threshold to enhance your eligibility.
3. Credit History:
   • A good credit score enhances your chances of approval.
   • Ensure that your credit history is in good standing before applying.
4. Residency Status:
   • You may need to be a resident of India with proper documentation.
5. Employment Status:
   • Some credit cards may require you to be salaried or self-employed.

B. Application Process

Once you confirm that you meet the eligibility criteria, follow these steps to apply for an AU Bank credit card:

1. Visit AU Bank’s official website:
   • Navigate to AU Bank’s official website to access the credit card application portal.
2. Choose the desired credit card:
   • Browse through the available credit card options and select the one that best suits your needs.
3. Fill out the online application form.
   • Complete the online application form with accurate and up-to-date information.
4. Submit supporting documents:
   • Upload the required documents to support your application, such as proof of identity, address, income, and any other documents specified by AU Bank.
5. Review and confirm:
   • Review the information provided in the application form before submission to ensure accuracy.
6. Submit the application:
   • Click on the submit button to send your credit card application to AU Bank.

C. Required Documents

AU Bank may request various documents to process your credit card application. Commonly required documents include:

1. Proof of identity:
   • Aadhar card, passport, voter ID, or any government-issued photo ID.
2. Proof of address:
   • Utility bills, rent agreements, or any document containing your current address.
3. Income Proof:
   • Salary slips, income tax returns, or bank statements to validate your income.
4. Passport-sized Photographs:
   • Recent passport-sized photographs for identification purposes.

D. Activation Process

After your credit card application is approved, follow these steps to activate your AU Bank credit card:

1. Receive the card:
   • Once approved, AU Bank will dispatch your credit card to your registered address.
2. Check out the welcome kit:
   • Open the welcome kit that accompanies your credit card. It contains essential information, including the PIN.
3. Generate PIN:
   • Use the provided information to generate your credit card PIN through the designated channels, such as an ATM.
4. Activate online (if applicable):
   • Some cards may offer online activation options. Check the welcome kit for specific instructions.
5. Use Responsibly:
   • Once activated, your AU Bank credit card is ready for use. Remember to use it responsibly and within your credit limit.

Understanding AU Bank Credit Card Fees and Charges:

When considering AU Bank Credit Cards, it’s essential to be well-informed about the associated fees and charges. This knowledge empowers cardholders to make sound financial decisions and use their cards responsibly. Let’s delve into the key fees and charges associated with AU Bank Credit Cards:

1. Cash Advance Fee

When availing cash advances through the credit card, a fee of 2.5% is applicable, with a minimum charge of Rs. 100. It’s crucial to be mindful of this fee when considering cash withdrawals.

2. Charges on Revolving Credit

For Vetta, the monthly revolving credit charge is 3.49% (41.88% annually), while LIT, Altura, and Altura Plus incur a monthly charge of 3.59% (43.08% annually). Zenith, on the other hand, has a lower monthly charge of 1.99% (23.88% annually). Understanding these rates is key to managing credit card balances effectively.

3. Late Payment Charges

Late payment charges range from Rs. 0 to Rs. 1,100. Timely payment is encouraged to avoid incurring these charges and maintain a positive credit profile.

4. Overlimit Charges

Exceeding the credit limit may result in overlimit charges, set at 2.5% of the overlimit amount, with a minimum charge of Rs. 500.

5. Return Charges

Charges for returned checks, ECS/NACH, or Autopay are set at Rs. 500. Ensuring sufficient funds and accurate payment details helps avoid these charges.

6. Balance Transfer/BT on EMI Processing Charges

For those considering balance transfers, the processing fee is 1% of the transfer amount, with a minimum charge of Rs. 250.

7. Loan Processing Fee and Preclosure Charge

Loan processing incurs a fee of 1%, with a minimum charge of Rs. 500. Loan preclosure attracts a charge of 3% of the principal outstanding.

8. EMI Conversion Charges

For Xpress EMI, the conversion charge is 1% (minimum Rs. 99 + GST), and for Instant EMI, it is Rs. 199 + GST.

9. Lounge and Priority Pass Charges

Card validation charges for lounges are set at Rs. 2. For Priority Pass lounges, Vetta and Zenith cardholders are charged $27 + taxes for each visit within India.

10. Card Reissue Charges

Reissuing a lost, stolen, or damaged card incurs a charge of Rs. 100.

11. Outstation Cheque Processing Charges

Processing outstation checks attracts a charge of Rs. 25.

12. Foreign Currency Transactions

For Altura, Altura Plus, and LIT, the foreign currency transaction fee is 3.49%; for Vetta, it’s 2.99%; and for Zenith, it’s 1.99%.

13. Duplicated Physical Statement Request Charges

Requesting a duplicated physical statement incurs a charge of Rs. 100.

14. Goods and Services Tax (GST)

Goods and Services Tax at 18% is applicable to all AU Small Bank credit card fees, interest, and charges.

AU Bank Credit Card Customer Care:

AU Bank customer care offers reliable support and guidance for every customer. Let’s check out how you can reach them whenever needed.

1. Customer Care Helpline:

AU Bank’s 24X7 customer care helpline number, 1800 1200 1500, ensures continuous accessibility for cardholders. This helpline is a direct link to prompt assistance, addressing a spectrum of queries and concerns.

2. Email Support:

For written communication and detailed queries, cardholders can reach out via email. The general email for credit card support is creditcard.support@aubank.in. Additionally, Zenith and Vetta customers can utilize a dedicated email address: creditcard.priority@aubank.in.

3. Mailing Address:

Cardholders who prefer traditional mail correspondence can send letters to AU Small Finance Bank, Credit Card Division, Third Floor Hall C, Sunny Junction STC, New Atish Market, Jaipur, Rajasthan, 302020. This mailing address provides an additional avenue for communication.

Tips for Using AU Bank Credit Cards Wisely:

AU Bank Credit Cards offer a convenient and flexible way to manage your finances. To make the most of your credit card while maintaining financial discipline, consider the following tips:

1. Set a Budget:

Before using your credit card, establish a monthly budget. Clearly define your spending limits for different categories to avoid overspending and ensure you can comfortably manage your repayments.

2. Understand Your Credit Limit:

Know your credit limit and stay well within it. This helps prevent overutilization and potential over-limit charges. Be mindful of your available credit to maintain a healthy credit profile.

3. Pay On Time:

Timely payments are crucial for maintaining a positive credit history. Pay at least the minimum amount due by the due date to avoid late payment fees and negative impacts on your credit score.

4. Monitor Your Statements:

Regularly review your credit card statements to track your expenses and identify any unauthorized transactions. This practice helps you stay on top of your finances and detect any discrepancies promptly.

5. Avoid Cash Withdrawals:

While cash advances are convenient, they often come with higher fees and interest rates. Limit cash withdrawals to emergencies and try to use other payment methods for routine transactions.

6. Utilize Reward Programs:

AU Bank Credit Cards often come with reward programs. Understand the rewards offered and use your card strategically to maximize benefits. Redeem rewards for discounts, cashback, or other perks available through the program.

7. Be Cautious with Balance Transfers:

While balance transfers can help consolidate debt, be aware of the associated charges and terms. Evaluate whether it aligns with your financial goals and ensures overall cost savings.

Bottom Line:

AU Bank Credit Cards empower you with financial flexibility and exclusive benefits. By employing responsible spending habits, understanding your card features, and leveraging customer care support, you can harness the full potential of your credit card while ensuring a secure and rewarding financial journey. Explore the world of possibilities with AU Bank Credit Cards, where convenience meets financial wisdom.