Highlights
- Explore all the Credit Cards of the AU Small Finance Bank.
- Go through the Features, Benefits, Fees, and Charges of these cards.
- Check the Eligibility Criteria and Documents Required for these cards.
Credit Cards are the mean of savings for many individuals because they have a lot of offers and discounts. So, the AU Small Finance Bank has launched four exclusive credit cards with a lot of benefits. You can experience lifestyle privileges and shop on international trips on these cards. There are four credit cards with different fees and charges so that every class of individuals can afford them. So, you must go through the features and benefits of all these cards and pick one as per your requirement. All of them have unique features and allows you to earn reward points. Some of them have the benefit of complimentary access to the airport lounges. Therefore, you must go through all the features of these credit cards.
Credit Card
Quotes from 11 banks | Best Offers and Rewards
List of Best AU Bank Credit Cards
In the table given below, you can see all the details related to these credit cards.
| Credit Cards | Fees | Waiving Off Criteria for the 1st and 2nd Year | Charges on Revolving Credit |
|---|---|---|---|
| AU Bank Altura Credit Card | ₹199 + GST | - Spend ₹10000 within 90 days from the date of card issuance. - Spend ₹40000 in the previous Card Anniversary Year. | 3.49% per month or 41.88% per annum |
| AU Bank Altura Plus Credit Card | ₹499 + GST | - Spend ₹20000 within 90 days from the date of card issuance. - Spend ₹80000 in the previous Card Anniversary Year. | 3.49% per month or 41.88% per annum |
| AU Bank Vetta Credit Card | ₹2999 + GST | - Spend ₹40000 within 90 days from the date of card issuance. - Spend ₹150000 in the previous Card Anniversary Year. | 2.99% per month or 35.88% per annum |
| AU Bank Zenith Credit Card | ₹7999 + GST | - Spend ₹125000 within 90 days from the date of card issuance. - Spend ₹500000 in the previous Card Anniversary Year. | 1.99% per month or 23.88% per annum |
Offers on Altura Credit Card
- Get a Cashback of 5% on the retail spend of ₹2500 within 60 days from the card issuance date of up to ₹150.
- Get 2% Cashback at the Departmental Stores.
- Enjoy a Cashback of 2% at the Grocery Stores.
- Get 2% Cashback on all the utility bill payments.
- Get a Cashback of 1% on all other retail spends.
- On the retail spend of ₹10000 or above in a month, you will get an additional cashback of ₹50.
- Get 2 complimentary accesses per quarter to the Railway Lounges using the VISA cards.
- Enjoy a Fuel Surcharge Waiver of 1% at the refilling stations through the AU Bank Credit Card.
- Convert the transactions of ₹2000 and above into EMIs.
- Make use of the contactless payment from this card of up to ₹5000 without entering any PIN.
Offers on Altura Plus Credit Card
- Enjoy a Voucher worth ₹500 of top brands on spending ₹10000 within 60 days from the card issuance date.
- Get a Cashback of 1.5% on all POS Retail done at the merchant’s outlet with a maximum of ₹100 per statement cycle.
- Earn 1 Reward per ₹100 once you reach the maximum limit of the cashback.
- Earn 2X Reward Points per ₹100 on the online transactions.
- Spend ₹20000 or above on retail purchases in a month and enjoy a bonus of 500 Reward Points.
- Enjoy 2 Free Visits per quarter to the Railway Lounges using the VISA cards.
- Enjoy a Fuel Surcharge Waiver of 1% at the refilling stations.
- Make contactless payments of up to ₹5000 from this card.
- Covert the transactions of ₹2000 and above into EMIs.
Offers on Vetta Credit Card
- Earn a voucher worth ₹2000 of top brands on spending ₹30000 within 60 days of card issuance.
- Enjoy 10 Reward Points per ₹100 spent on utility bill payments.
- Get 4 Reward Points on spending ₹100 at Grocery and Departmental Stores.
- Earn 2 Reward Points on spending every ₹100 on all other categories.
- Enjoy 1000 Bonus Reward Points on doing one transaction on your Birthday.
- Enjoy Zomato Pro Annual Membership on spending ₹50000 in any month.
- Reach the Milestone of ₹50000 per quarter and enjoy 500 Bonus Reward Points.
- Earn 1000 Bonus Reward Points on spending ₹1 Lac per calendar quarter.
- Earn a voucher worth ₹1000 of top brands on spending ₹2.5 Lacs in a year.
- Get 1 Complimentary Visit to Airport Lounges per calendar quarter under the Priority Pass Program.
- Enjoy 2 complimentary accesses per quarter to the Railway Lounges using the VISA card.
- Enjoy Concierge Services and customize your entertainment, travel, and leisure experiences through the AU Small Finance Bank Credit Card.
- Enjoy a Fuel Surcharge Waiver of 1% at the petrol pumps.
- Get an Air Accident Cover of ₹50 Lacs.
- Get a credit shield of up to ₹2 Lacs on this Card.
- You will enjoy purchase protection of ₹25000 on this card.
- Make Contactless Payments of up to ₹5000.
- Convert the transactions of ₹2000 and above into EMIs.
Offers on Zenith Credit Card
- Enjoy a welcome gift voucher worth ₹1000 on the first POS transaction from the top brands.
- Get the Zomato Pro Annual membership on a successful retail transaction.
- Enjoy 10000 Bonus Reward Points on completing retail spend of ₹100000 within 60 days from the date of card issuance.
- The above offers are valid on spending ₹1 Lac within 60 days from the card issuance date.
- Enjoy 20 Reward Points per ₹100 spend on Dining at standalone restaurants.
- Get 10 Reward Points on every ₹100 spent at Grocery Stores, Departmental Stores, and internationally.
- Enjoy 2500 Bonus Reward Points on doing one retail transaction on your birthday.
- Earn 5 Reward Points per ₹100 spent on all other categories.
- Get vouchers of top brands worth ₹1000 on spending ₹2 Lacs per quarter.
- Enjoy a Complimentary Epicure Membership on spending ₹8 Lacs in a year.
- Enjoy 2 Complimentary Visits per calendar quarter under the Priority Pass Program.
- Get 4 Access to the Airport Lounges per quarter in India using your VISA card.
- Enjoy 2 free accesses per quarter to the Railway Lounges using the VISA card.
- Have an Air Accident Cover of ₹2 Crore.
- Get a credit shield of up to ₹5 Lacs on the Zenith Credit Card.
- Get purchase protection of ₹50000 on this card.
- Customize your entertainment, leisure, and travel experience with the Global Concierge Assistance.
- Enjoy an unlimited fuel surcharge waiver of 1% at all the refilling stations present across the country.
- Make contactless payments from the AU Small Finance Bank Credit Card without entering a PIN for up to ₹5000.
- Convert the transactions of ₹2000 and above into EMIs using the XpressEMI facility.
Documents Required for AU Small Finance Bank Credit Card
- Applicant’s Identity Proof:- PAN Card, Aadhar Card, Voter I.D. Card, Passport, Driving License. (Any One Document)
- Address Proof of the Applicant:- Ration Card, Electricity Bill, Telephone Bill, Driving License, Passport, Voter I.D. Card, Last 2 Months Bank Statement. (Any One Document)
- Applicant’s Income Proof:- Form 16, Latest Salary Slips, Income Tax Return Documents, Audited Financial Document, Business Continuity Proof (Any One Document)
- Age Proof of the Applicant:- Pass Certificate of 10th Standard, Passport, Birth Certificate, Voter I.D. Card. (Any One Document)
Eligibility Criteria for the Credit Card
- 21 years is the minimum required for the Primary Cardholder.
- 60 Years is the maximum age required for the Primary Cardholder.
- 18 years is the minimum age required for the Add-on Cardholder.
- The individual must be a citizen of India.
- AU Small Finance Bank holds the right to accept or decline the credit card application.
Other Charges of the Card
| Particulars | Charges |
|---|---|
| Interest-Free Period (Not Applicable for Cash Withdrawals) | Up to 50 Days |
| Minimum Payment Amount | 5% or a minimum of ₹100 |
| Additional Card Fee | NIL |
| Overlimit Charges | 2.5% of the over-limit with a minimum of ₹100 |
| Late Payment Fees | - NIL for Outstanding Less than ₹100 - ₹100 for Outstanding between ₹100 to ₹500. - ₹400 for Outstanding between ₹501 to ₹5000. - ₹500 for Outstanding between ₹5001 to ₹20000. - ₹700 for outstanding more than ₹20000 |
| Payment Return Charges | ₹500 |
| Cash Processing Fee | NIL |
| Reward Points Redemption Fee | NIL |
| Balance Transfer Charges | 1% of the Balance Transfer with a minimum of ₹250 |
| Loan Processing Fee | 1% of the loan amount with a minimum of ₹500 |
| Re-Issuance of Card | ₹100 |
| Duplicate Physical Statement Fee | ₹100 |
AU Small Finance Bank Credit Card Limit
There is no specified limit on AU credit cards. It depends on the income and the Cibil score of the applicant. A high income and a high Cibil Score tend to offer a high credit limit to the individuals. The applicant must have at least a Cibil Score of 750 and above to get quick approval for the AU Bank Credit Cards.
To Know More Details:- https://www.aubank.in/