AU Small Finance Bank Credit Cards
AU Small Finance Bank, established in 1996 as AU Financiers (India) Ltd, transitioned into a small finance bank on April 19, 2017, and has since been a significant player in the Indian financial sector. The bank's name, AU, coincidentally aligns with the chemical element for gold, reflecting its commitment to providing valuable and reliable financial services. Catering to a diverse clientele, AU Small Finance Bank offers a suite of credit card options designed to suit various lifestyles and spending habits. AU Small Finance Bank credit card offers an array of benefits including attractive reward programs, competitive interest rates, and seamless digital banking experiences. Whether it's for everyday purchases, travel, or entertainment, the AU Small Finance Bank credit card provides flexibility and convenience, making it a valuable financial tool for individuals and businesses alike. With a focus on expanding financial inclusion, AU Small Finance Bank has made significant strides in serving low and middle-income individuals and micro and small businesses, especially those with limited access to formal banking channels.
Reward System: 10X or 5X Reward Points on all online domestic & international retail transactions, and 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions.
1 Point = Rs. 0.25.
Effective Cashback Rate: 3.75%
Fees and Charges
3.49% per month (41.88% annually).
Interest Rate
Earn 20 Reward Points for every ₹200 spent on Train Bookings with ixigo. Effective CB Rate: 5%.
Earn 10 Reward Points for every ₹200 spent on online purchases. Effective CB Rate: 2.5%.
Earn 5 Reward Points for every ₹200 spent offline. Effective CB Rate: 1.25%.
1 RP = 0.25.
Fees and Charges
3.49% Per Month 41.88% annually
Interest Rate
Reward System: Get 1 reward point on spending INR 100. 1 Reward Point = INR 0.25. General cashback rate: 0.25%. 1.5% cashback on retail spends at merchant outlets (Maximum cashback per statement cycle is INR 100). 0.5% cashback rate on online spends (uncapped).
Fees and Charges
3.59% per month (43.08% annually).