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AU Bank Credit Cards

AU Bank offers four credit card variants, viz. Altura, Altura Plus, Vetta, Zenith, and LIT, with an amazing array of benefits. From grocery shopping to international travel, you can enjoy various lifestyle privileges and compelling benefits with AU Bank credit cards.

AU Bank Credit Card Benefits

  • 10X or 5X reward points on all online domestic and international retail transactions.
  • 10X or 5X reward points on all POS and contactless offline domestic and international transactions.
  • 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5,000.
  • Credit shield up to Rs. 1.5 Lakhs.
  • Annual fee: This card is lifetime free and does not involve any charges.
  • Vouchers of top brands worth Rs. 1,000 on the first POS retail transaction.
  • 10,000 bonus reward points on completing retail spends of Rs. 1 Lakh.
  • 20 reward points on spending per Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending per Rs. 100 on international transactions, grocery & departmental stores.
  • 5 reward points on spending per Rs. 100 across all other merchant categories.
  • 2,500 bonus reward points on one retail transaction on your birthday.
  • 4 complimentary lounge access per calendar quarter within India with VISA Card.

To apply for any AU Bank credit card, you must meet the following AU Bank credit card eligibility criteria:

  • Primary cardholders must be aged between 21 and 60 years
  • Add-on cardholders should be aged over 18 years.
  • The applicant should be a resident Indian


The above criteria are only indicative. AU Bank reserves the right to approve or reject applications for the credit card.

AU Bank Credit Card Options

You can select a wide range of credit card options available with AU Samall Finance Bank. 

AU Bank Zenith Credit Cards

AU Zenith credit card is the most premium credit card of AU Small Finance Bank. It offers a range of benefits and offers, including vouchers of top brands, bonus reward points, lower cross-currency foreign markup fees, complimentary airport and railway lounge access, and so on. This card is best suited for those who are looking for rewards and travel benefits.

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.

Accelerated Rewards Program

  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

To apply for this credit card, you must meet the following AU Bank Zenith credit card eligibility criteria:

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years. .
  • Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

  • Visit the official website of the AU Small Finance Bank and click on the ‘Credit Cards’ mentioned under the ‘Cards’ section.
  • Click on the ‘Zenith Credit Card’ option.
  • Click on the ‘Apply Now button’.
  • Fill up the online application form.
  • An AU Bank representative will call you to verify the details and proceed with your application.
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AU Bank Vetta Credit Cards

AU Vetta credit card offered by AU Small Finance Bank gives you premium privileges. With this card, you can enjoy multiple lifestyle benefits, accelerated reward points, 24×7 global concierge services, complimentary airport and railway lounge access, and much more.

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.

Accelerated Rewards Program

  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

To apply for this credit card, you have to meet the following AU Bank Vetta credit card eligibility criteria to apply for this credit card

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years. .
  • Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

  • Visit the official website of the AU Small Finance Bank and click on the ‘Credit Cards’ mentioned under the ‘Cards’ section.
  • Click on the ‘Vetta Credit Card’ option.
  • Click on the ‘Apply Now button’.
  • Fill up the online application form.
  • An AU Bank representative will call you to verify the details and proceed with your application.
Apply Credit Card

AU Bank Altura Plus Credit Cards

AU Altura Plus credit card offers numerous benefits, including milestone gains, cashback, reward points, fuel surcharge waiver, and so on. Accumulated reward points can be redeemed in different ways. You can also convert your purchases above Rs. 2,000 into easy EMIs.

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.

    Accelerated Rewards Program
  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

To apply for this credit card, You have to meet the following AU Bank Altura Plus credit card eligibility criteria to apply for this credit card

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years. .
  • Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

  • Visit the official website of the AU Small Finance Bank and click on the ‘Credit Cards’ mentioned under the ‘Cards’ section.
  • Click on the ‘Altura Plus Credit Card’ option.
  • Click on the ‘Apply Now button’.
  • Fill up the online application form.
  • An AU Bank representative will call you to verify the details and proceed with your application.
Apply Credit Card

AU Bank Altura Credit Cards

The AU Altura Credit Card is the ideal choice if you’re searching for a credit card that fits your spending style and offers an array of added benefits. With features such as cashback rewards, access to railway lounges, and complimentary card liability cover, the Altura Credit Card has it all. With this card in your wallet, you can make purchases without worrying about overspending or missing out on any of the perks that come with it.

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.
  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

To apply for this credit card, You have to meet the following AU Bank Altura Plus credit card eligibility criteria to apply for this credit card

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years. .
  • Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

  • Visit the official website of the AU Small Finance Bank and click on the ‘Credit Cards’ mentioned under the ‘Cards’ section.
  • Click on the ‘Altura Credit Card’ option.
  • Click on the ‘Apply Now button’.
  • Fill up the online application form.
  • An AU Bank representative will call you to verify the details and proceed with your application.
Apply Credit Card

AU Bank LIT Credit Cards

AU Bank’s LIT Credit Card is India’s first customizable credit card, which allows you to design it exactly as per your preferences. You have the freedom to choose from a range of features that suit your lifestyle and modify them whenever required. Moreover, you can turn on or off the features, pay only for what you select, and effortlessly manage them in real-time while on-the-go.

  • Vouchers worth Rs. 1,000 of top brands on the first POS retail transaction.
  • 10,000 bonus reward points on retail spends of Rs. 1 Lakh.
  • These benefits are applicable on retail spends done within 60 days of the card set up.
  • Fuel transactions and cash withdrawals are excluded from bonus reward points spending calculation.
  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

To apply for this credit card, You have to meet the following AU Bank Altura Plus credit card eligibility criteria to apply for this credit card

  • The age of primary cardholders must be between 21 and 60 years.
  • The age of add-on cardholders should be above 18 years. .
  • Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
  • The applicant should be an Indian resident.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

  • Visit the official website of the AU Small Finance Bank and click on the ‘Credit Cards’ mentioned under the ‘Cards’ section.
  • Click on the ‘AU Bank LIT Credit Card’ option.
  • Click on the ‘Apply Now button’.
  • Fill up the online application form.
  • An AU Bank representative will call you to verify the details and proceed with your application.
Apply Credit Card

AU Bank Credit Card Eligibility

AU Bank credit card is one of the few credit cards in India that offer lucrative rewards and benefits that are worthy for individuals with different spend patterns, earnings, lifestyle and preferences. AU Bank credit card eligibility may vary for different profiles as two individuals can’t necessarily receive a similar credit card limit if their income levels and current liability differ.

  • The primary eligibility conditions for AU Small Finance Bank credit cards are dependent on the age of the applicant and the nationality.
  • In order to fulfil AU Bank credit card eligibility conditions, an individual should be a resident of India.
  • The person should’ve attained an age of at least 21 years
  • The maximum permissible age for an AU Bank credit card is capped at 60 years, while an add-on card holder can obtain an AU Bank credit card after reaching an age of 18 years.
  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

AU Bank does look for certain other factors beyond age and nationality to gauge the eligibility for AU Bank credit cards. For AU credit cards apply here. Let us take a look at the main eligibility factors for AU Bank credit cards.

  • Credit Score: The credit score of an individual remains the first and foremost factor that helps in determining the eligibility for a respective credit card.
  • Existing Liabilities: The sum total of existing liabilities takes a huge toll in defining the eligibility for an AU Bank credit card as the bank will be reluctant to issue a credit card to an individual who is obliging huge repayments every month.
  • Present Income: Next comes the income levels as people with lower income are likely to qualify for introductory credit cards from AU Bank, while individuals falling in a higher income bracket will become eligible for premium credit cards from AU Bank.
  • Repayment History: A good repayment behaviour showcases the financial prudence of an individual, thereby making him eligible for better credit products including credit cards, personal loans and other secured credit facilities at preferential terms.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

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