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Top 5 AU Credit Cards

AU Small Finance Bank Top 5 Credit Cards

In today's fast-paced world, where financial institutions constantly vie for consumer attention with enticing offers and benefits, choosing the right credit card can be a daunting task. With a plethora of options available, each promising unique rewards and privileges, finding the perfect fit requires careful consideration and comparison.

Among the myriad of choices, AU Small Finance Bank has emerged as a formidable player, offering a range of credit cards tailored to diverse lifestyles and preferences. From travel enthusiasts to avid shoppers, AU Small Finance Bank has crafted credit solutions to cater to a multitude of needs.

In this blog post, we'll unveil the top 5 credit cards offered by AU Small Finance Bank, delving into their features, benefits, and rewards. Whether you're seeking generous cashback incentives, travel perks, or exclusive privileges, this comprehensive comparison will guide you toward making an informed decision that aligns perfectly with your financial goals and lifestyle preferences.

Join us as we navigate through the offerings of AU Small Finance Bank's top credit cards, helping you unlock a world of convenience, savings, and rewards.


AU Altura Credit Card

  • Annual/joining fee: Rs 199 + Taxes

  • Interest Rate: 3.49% per month (41.88% annually)

  • Welcome Benefit: 5% Cashback on a minimum INR 2,500 retail spends done within the first 60 days of card setup. (Maximum cashback per statement cycle is INR 150).

  • Special Feature: Get comprehensive card liability cover of up to ₹50,000, protecting you from unauthorized transactions.


The AU Small Finance Bank Altura Credit Card offers a variety of benefits tailored for those who value savings and convenience. Cardholders can enjoy up to 2% cashback on grocery, utility bill payments, and departmental store purchases, with a cap of INR 50 per statement cycle. Other retail spends earn 1% cashback, also capped at INR 50 per cycle. Notably, fuel, rent, wallet, and cash transactions do not earn cashback. Additionally, the card provides milestone benefits, offering an extra INR 50 cashback upon reaching INR 10,000 in retail spending each statement cycle. Travel perks include two complimentary railway lounge accesses per quarter, enhancing the travel experience for cardholders. The card also features a 1% fuel surcharge waiver for transactions between INR 400 and INR 5,000, capped at INR 100 per cycle. In terms of security, the Altura Credit Card comes with zero liability protection against fraudulent transactions after reporting the loss of the card, along with protection against card counterfeit/skimming and online fraud. For added convenience, the card supports contactless payments for transactions up to INR 5000 and offers the XpressEMI facility to convert purchases into easy EMIs. Cardholders can also extend these benefits to their loved ones with free lifetime add-on cards. Overall, the Altura Credit Card by AU Small Finance Bank stands out as a comprehensive financial tool for everyday savings and secure transactions.


AU LIT Credit Card

  • Annual/joining fee: NIL

  • Interest Rate: 3.49% per month (41.88% annually)

  • Welcome Benefit: None

  • Special Feature: You can choose your benefit package and thereafter pay accordingly.


The AU Small Finance Bank LIT Credit Card is a customizable credit card that offers a unique approach to personal finance. It's India's first such card that allows users to tailor their credit card features according to their lifestyle and preferences. With the LIT Credit Card, customers have the power to select and modify features, such as cashback options, reward points, and memberships, and even switch them on or off in real time. This card is designed to cater to the needs of Gen Z and Millennials, providing them with flexibility and control over their spending and rewards. The card is lifetime free, with optional feature pricing starting from Rs.49 to Rs.499, allowing cardholders to earn various rewards and cashback. Additionally, the card offers benefits like fuel surcharge waivers, milestone cashback, and airport lounge access, enhancing the overall user experience.


AU Bank ixigo Credit Card

  • Annual Fee: INR 999 + Taxes

  • Interest Rate: 3.49% Per Month 41.88% annually

  • Welcome Benefit: 1000 Reward Points and Rs. 1,000 worth of ixigo money vouchers on making your first transaction within the first 30 days of card issuance.

  • Special Feature: 10% discount on flight bookings, bus bookings, and hotel bookings through ixigo. Along with this PG charges are also waived on train bookings twice a month.


The AU Small Finance Bank ixigo Credit Card is a co-branded travel credit card offering a multitude of benefits for travelers. It provides a lifetime free card with zero joining and renewal fees, especially if applied for within a promotional period. Cardholders can enjoy up to 10% off on flights, buses, and hotel bookings when using ixigo's platform, along with a waiver on payment gateway charges for train bookings twice a month. The card also offers reward points on both online and offline transactions, with 10 reward points per ₹200 spent online and 5 reward points per ₹200 spent offline. These points can be redeemed for discounts and other benefits on ixigo. Additionally, the card provides exclusive airport and railway lounge access, making travel more comfortable and luxurious.


AU Bank Altura Plus Credit Card

  • Annual/joining fee: Rs 499 + Taxes.

  • Interest Rate: 3.59% per month (43.08% annually)

  • Welcome Benefit: None

  • Special Feature:  2 complimentary airport lounge access per calendar quarter. 


The AU Small Finance Bank Altura Plus Credit Card offers a range of benefits designed to enhance the cardholder's spending experience. Cardholders can enjoy 1.5% cashback on all POS retail spends at merchant outlets, with a maximum cashback per statement cycle. Additionally, the card provides 2X Reward Points for online transactions, and 1 Reward Point per INR 100 spent on categories like utility, rent, and insurance after reaching the maximum cashback limit. A notable feature is the Milestone Benefit, where cardholders can earn 500 bonus Reward Points for monthly retail spends exceeding INR 20,000. The card also includes complimentary railway lounge access, a 1% fuel surcharge waiver for transactions between INR 400 and INR 5,000, and a zero liability cover for lost cards or fraudulent transactions. For those who frequently travel by train, the card offers two complimentary railway lounge accesses per quarter. With the AU Rewards program, points can be redeemed for e-vouchers, merchandise, mobile/DTH recharges, and more. The card's contactless feature allows for quick and secure payments for amounts up to INR 5,000 without the need to enter a PIN.


AU Bank Zenith Credit Card

  • Annual/joining fee: Rs 7999 + Taxes.

  • Interest Rate: 1.99% per month (23.88% annually)

  • Welcome Benefit: Vouchers worth INR 1000 on 1st POS retail transaction.

  • Special Feature: 20 Reward Points per INR 100 retail spends done on Dining at standalone restaurants. Restaurant cashback rate: 5%. 10 Reward Points per INR 100 retail spends done on International transactions, Grocery, and Departmental stores. Grocery cashback rate: 2.5%.


The AU Small Finance Bank Zenith Credit Card is a premium offering designed for those who seek luxury and convenience in their financial transactions. With an annual fee of INR 7,999, cardholders can enjoy a suite of benefits that cater to various lifestyle needs. The card offers a comprehensive insurance cover, including lost card liability and air accident cover, ensuring peace of mind for the user. It also provides access to luxury hotel memberships, global concierge services, and complimentary lounge access, both domestically and internationally, enhancing travel experiences. The Zenith Credit Card stands out with its reward program, offering up to 20 reward points per INR 100 spent on dining, and an accelerated reward rate on international transactions, groceries, and departmental store purchases. Additionally, cardholders can avail of lower foreign currency markup fees and birthday benefits, alongside quarterly and yearly milestone rewards that add value to every spend.



In conclusion, AU Small Finance Bank stands out as a prominent player in the credit card market, offering a diverse array of credit cards tailored to meet the varying needs and preferences of consumers. Through our exploration of the top 5 credit cards offered by AU Small Finance Bank, we've uncovered a wealth of benefits, rewards, and privileges designed to enhance your financial journey.

Whether you're a frequent traveler in search of exclusive perks, a savvy shopper looking to maximize savings, or someone seeking comprehensive rewards on everyday spending, AU Small Finance Bank has a credit card to suit your lifestyle.

By carefully considering the features, benefits, and rewards of each card, you can make an informed decision that aligns with your financial goals and preferences. Remember to evaluate your spending patterns, weigh the associated fees and charges, and assess the additional perks offered by each card to ensure you choose the right fit for your needs.

With the top credit cards of AU Small Finance Bank in your wallet, you can unlock a world of convenience, savings, and rewards, empowering you to make the most of every swipe while enjoying the journey towards financial freedom.

About AU Small Finance Bank Credit Cards

AU Small Finance Bank has established itself as a notable player in the financial sector, particularly with its range of credit cards that cater to diverse consumer needs. The bank's credit cards are designed to offer a blend of luxury and practicality, with features that range from cashback offers to rewards on shopping and travel. Notably, AU Small Finance Bank has innovated by allowing customers to choose the functionality of their cards, tailoring the banking experience to individual preferences.

The credit cards from AU Small Finance Bank stand out for their absence of joining fees, requiring only an annual fee, which is a competitive feature in the market. The bank offers a variety of cards, including the Altura Plus Credit Card, which provides benefits such as 1.5% cashback on all POS retail spends and a fuel surcharge waiver, making it an attractive option for everyday use.

For those seeking premium experiences, the Zenith Credit Card offers luxury hotel memberships, complimentary lounge access, and a global concierge service, among other benefits. The bank's commitment to providing comprehensive insurance cover on their cards adds an extra layer of security for cardholders.

Financial stability and a healthy credit score are essential for eligibility, ensuring that the bank maintains a trustworthy customer base. The bank's approach to credit card services reflects a deep understanding of consumer desires for flexibility and value, positioning AU Small Finance Bank as a worthy contender in the credit card market.


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