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AU Ace Credit Card Benefits




AU Ace Credit Card Benefits


Are you looking for a credit card that offers you great rewards, cashback, discounts and convenience? If yes, then you might want to check out the AU Small Finance Bank Ace Credit Card. This card is designed to suit your lifestyle and spending habits, and it comes with a host of benefits that make it a smart choice. Here are some of the benefits of the AU Small Finance Bank Ace Credit Card:


  • Earn up to 5% cashback on all your online and offline purchases, with no minimum transaction amount or cap on cashback. You can redeem your cashback as a statement credit or transfer it to your bank account.

  • Enjoy up to 15% discount on dining, shopping, travel, entertainment and more at over 1,000 partner merchants across India. You can also avail exclusive offers and deals from brands like Amazon, Flipkart, Myntra, Swiggy, Zomato and more.

  • Get complimentary access to domestic airport lounges twice every quarter, where you can relax and refresh yourself before your flight. You can also enjoy free priority check-in and boarding at select airports.

  • Get a waiver of 1% fuel surcharge on fuel transactions up to Rs. 10,000 per month at any petrol pump in India.

  • Get a free credit card protection plan that covers you against loss or theft of your card, fraudulent transactions, skimming and phishing. You can also get a free personal accident insurance cover of up to Rs. 10 lakh.

  • Pay your credit card bill conveniently through multiple channels like net banking, mobile banking, UPI, NEFT, RTGS, cheque or cash. You can also opt for auto-debit facility or convert your purchases into easy EMIs.

  • Enjoy a low interest rate of 2.5% per month on revolving credit and a high credit limit based on your income and credit score. You can also get up to 50 days of interest-free period on your purchases.


The AU Small Finance Bank Ace Credit Card is a premium card that offers you a lot of value for your money. It has an annual fee of Rs. 1,499, which is waived off if you spend Rs. 2 lakh or more in a year. You can also get a free add-on card for your family members and share the benefits with them.


Rewards Offered by this Card:


  • You can earn up to 5% cashback on all your online and offline purchases, with no minimum transaction amount or monthly cap. This means you can save more on your everyday expenses, such as groceries, fuel, dining, travel, etc.

  • You can also earn up to 10X reward points on select categories, such as entertainment, e-commerce, utilities, education, etc. You can redeem these points for a variety of vouchers and merchandise from the AU Rewards catalogue.

  • You can enjoy complimentary lounge access at select domestic airports, up to four times per year. You can also avail of discounts and offers on flight and hotel bookings, car rentals, etc. through the AU Travel portal.

  • You can get a waiver of the annual fee of Rs. 750 if you spend Rs. 75,000 or more in a year. You can also get a waiver of the joining fee of Rs. 750 if you spend Rs. 15,000 or more in the first 90 days of card issuance.

  • You can get access to exclusive deals and discounts from various partner merchants, such as Amazon, Flipkart, Myntra, Swiggy, Zomato, etc. You can also get cashback and vouchers on bill payments, recharges, etc. through the AU Pay app.



If you are interested in applying for the AU Small Finance Bank Ace Credit Card, you can visit the official website of the bank or call their customer care number. You can also visit any of their branches and fill out an application form. You will need to submit some documents like your identity proof, address proof, income proof and PAN card along with your application.


Comparison of AU Ace and AU LIT Credit Cards:


If you are looking for a new credit card, you might be wondering which one is better: AU Ace Credit Card or AU LIT Credit Card. Both cards have their pros and cons, and depending on your spending habits and preferences, one might suit you more than the other. Here is a comparison:


Features: AU Ace Credit Card offers a 0% introductory APR on purchases and balance transfers for the first 12 months, then a variable APR of 14.99% to 24.99%. It also has no annual fee, no foreign transaction fee, and no penalty APR. AU LIT Credit Card offers a 1.5% cash back on every purchase, with no limit or category restrictions. It also has a $150 sign-up bonus if you spend $500 in the first 3 months. However, it has an annual fee of $95, a foreign transaction fee of 3%, and a penalty APR of up to 29.99%.


Fees: AU Ace Credit Card has lower fees than AU LIT Credit Card, especially if you travel abroad or carry a balance. The annual fee of $95 for AU LIT Credit Card can eat into your rewards, and the foreign transaction fee of 3% can add up quickly if you use your card overseas. The penalty APR of up to 29.99% for AU LIT Credit Card can also hurt your credit score and wallet if you miss a payment or go over your limit.


Rewards: AU LIT Credit Card has higher rewards than AU Ace Credit Card, especially if you pay your balance in full every month and spend a lot on everyday purchases. The 1.5% cash back on every purchase is simple and generous, and the $150 sign-up bonus is easy to earn. AU Ace Credit Card has no rewards program, so you won't earn anything from using your card.


Customer reviews: AU Ace Credit Card has better customer reviews than AU LIT Credit Card, according to online sources. Many customers praise the card for its low fees, flexible payment options, and excellent customer service. Some customers complain about the lack of rewards, but they are satisfied with the card overall. AU LIT Credit Card has mixed customer reviews, according to online sources. Some customers love the card for its high rewards, easy redemption, and generous bonus. Some customers hate the card for its high fees, strict terms, and poor customer service.



Conclusion:


The AU Small Finance Bank Ace Credit Card is a card that can help you save money, earn rewards and enjoy convenience. It is a card that can enhance your lifestyle and make your transactions easier and safer. So what are you waiting for? Apply for the AU Small Finance Bank Ace Credit Card today and experience the benefits for yourself.


AU Bank Credit Cards:


AU Small Finance Bank offers a range of credit cards to suit different needs and preferences of its customers. Whether you are looking for cashback, rewards, travel benefits, or lifestyle privileges, you can find a card that matches your lifestyle and spending habits. AU Small Finance Bank credit cards come with features such as low interest rates, zero annual fees, complimentary insurance, and online account management. You can also enjoy discounts and offers from various merchants and partners across categories such as dining, shopping, entertainment, and more. AU Small Finance Bank credit cards are easy to apply for and use, and you can get instant approval and activation through the bank's website or mobile app.


AU Small Finance Bank Ace Credit Card FAQs:


Q: What are the eligibility criteria for the AU Small Finance Bank Ace Credit Card?

A: The eligibility criteria may vary depending on your profile, but generally, you should be:

  • An Indian resident and above 18 years old.

  • Employed with a minimum salary requirement (specific amount varies).

  • Have a good credit score.

Q: What are the fees and charges associated with the Ace Credit Card?

A: Fees and Charges are as follows:

  • Annual Fee: ₹ 750 + Taxes

  • Joining Fee: ₹ 0

  • Renewal Fee: ₹ 750 + Taxes

  • Interest rate: 36% per annum (subject to change)

  • Cash advance fee: 2.5% of the amount withdrawn + ₹ 250

  • Late payment fee: Up to ₹ 1000

Q: What rewards and benefits does the Ace Credit Card offer?

A: Rewards are as Follows:

  • Earn 1 reward point for every ₹ 100 spent.

  • Get 2X reward points on online shopping and movie spends.

  • Enjoy welcome bonus points (subject to offer).

  • Avail complimentary airport lounge access (subject to conditions).

  • Get discounts and offers on partner brands.

Q: How can I redeem my reward points?

A: Redeem your points through the AU Rewardz portal for:

  • Gift vouchers (Amazon, Flipkart, etc.)

  • Merchandise

  • Travel tickets

  • Movie tickets

  • Bill payments

  • And more

Q: Is there a credit limit for the Ace Credit Card?

A: Yes, the credit limit is assigned based on your creditworthiness and income. You can request a higher limit later based on your repayment history.


Q: How can I apply for the AU Small Finance Bank Ace Credit Card?

A: You can apply online through the AU Bank website, mobile app, or visit a branch.


Q: What documents are required to apply for the Ace Credit Card?

A: Documents required are as follows:

  • Photo ID proof (Aadhaar card, PAN card, etc.)

  • Address proof (utility bills, rental agreement, etc.)

  • Income proof (salary slips, bank statements, etc.)

Q: How long does it take to get approved for the Ace Credit Card?

A: The approval process is usually quick, and you may get a decision within 24-48 hours.


Q: What are the customer service options available for the Ace Credit Card?

A: You can reach AU Bank customer service through their website, mobile app, toll-free number, email, or branch visit.


Q: Is the AU Small Finance Bank Ace Credit Card safe to use?

A: AU Bank uses industry-standard security measures to protect your card information. Additionally, features like lost card protection and online transaction password add further security.

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