🏦 AU Small Finance Bank · India's #1 SFB · Official Guide 2026
Best AU Small Finance Bank Credit Cards 2026
AU Small Finance Bank offers India's most rewarding small finance bank credit cards — with industry-leading cashback, reward rates, and lifetime-free options. Compare all AU cards, check your eligibility for free, and apply instantly at MyBankingTips.
7+Credit Cards
25XMax Reward Rate
0 FeeLifetime Free Option
1000+Lounge Access
AU Small Finance Bank Credit Cards — Disrupting Rewards
AU Small Finance Bank has rapidly emerged as one of India's most
innovative credit card issuers. Despite being a small finance
bank, AU's credit card programme rivals and in many cases
outperforms those of larger private banks — particularly in reward
rates and cashback on everyday categories. The AU Zenith Credit
Card, for instance, is widely regarded as one of India's best
premium cards with up to 25X reward points. At MyBankingTips,
compare all AU Bank credit cards, check eligibility for free, and
apply online without impacting your CIBIL score.
AU Small Finance Bank, headquartered in Jaipur,
Rajasthan, was established in 2017 after converting from AU
Financiers. It has grown rapidly to 1,000+ branches and 1,700+ ATMs
across India with a customer-first banking philosophy. Its credit
card division is known for
zero-fee lifetime cards, high reward multipliers, and transparent
terms
that larger banks often don't offer.
AU Bank credit cards run on Visa and RuPay networks and are managed
via the AU 0101 mobile banking app — one of India's highest-rated
banking apps. The bank's rewards ecosystem covers cashback, miles,
and merchandise redemptions, with no cap on points earning in many
categories.
🔥
Key Highlight: The
AU Bank LIT Credit Card is India's first fully
customisable credit card — cardholders choose which features they
want to pay for (lounge access, insurance, OTT subscriptions,
etc.) and only pay for those. A truly innovative product from
India's most disruptive small finance bank.
Top AU Small Finance Bank Credit Cards 2026
Here are the best AU Bank credit cards — covering premium travel,
cashback, everyday rewards, and the innovative LIT customisable
card:
AU Card
AU Zenith Credit Card
4.2/ 5
Travel
Dining
Reward
Rewards
- Earn up to 1.25% value-back as rewards on card spends
- Get up to 8 domestic and 8 Priority Pass lounge visits per year
Apply Now →
AU Card
AU Bank Vetta Credit Card
4.3/ 5
Railway Lounge Access
Rewards
- Earn 4X reward points on grocery and departmental store spends
- Enjoy complimentary domestic and international lounge visits
Apply Now →
AU Card
AU Zenith+ Credit Card
3.5/ 5
Travel
Entertainment
Reward
Rewards
- Earn 2X reward points on travel, dining, and international spends
- Enjoy 16 complimentary international and domestic lounge visits annually
Apply Now →
AU Card
Ixigo AU Credit Card
4.3/ 5
Travel
Airport Lounge Access
Railway Lounge Access
Rewards
- Get 10% discount on travel bookings via Ixigo
- Enjoy zero foreign exchange mark-up fee on international spends
Apply Now →
AU Card
AU Altura Credit Card
4.6/ 5
Shopping
Cashback
Utility bill payment
Rewards
- Earn up to 2% cashback on grocery, departmental store, and utility spends
- Get 1% cashback on all other retail spends
Apply Now →
AU Card
AU LIT Credit Card
4.3/ 5
Cashback
Reward
Lifetime free
Rewards
- Get 5% cashback on grocery and apparel spends
- Earn up to 10 reward points per ₹100 spent online and offline
Apply Now →
AU Bank Credit Cards — Comparison Table
| Card |
Annual Fee |
Best For |
Reward Rate |
Lounge |
Fee Waiver |
Apply |
| AU Zenith |
₹7,999 |
Premium Travel |
Up to 25X pts |
Unlimited |
₹12L spend |
Apply →
|
| AU Zenith+ |
₹14,999 |
Ultra Premium |
3 pts/₹100 |
Unlimited |
₹20L spend |
Apply →
|
| AU Altura Plus |
₹999 |
Weekend Rewards |
10X weekends |
16/year |
₹2L spend |
Apply →
|
| AU Altura (RuPay) |
₹0 Free |
Lifetime Free |
5X grocery |
None |
Lifetime Free |
Apply →
|
| AU LIT Card |
₹0 + add-ons |
Customisable |
1% base + add-ons |
Optional |
No fee base |
Apply →
|
| AU Vetta |
₹2,499 |
Travel & Dining |
2 pts/₹100 |
8/year |
₹3L spend |
Apply →
|
| AU Xcite |
₹599 |
Everyday Spends |
2X all spends |
None |
₹1L spend |
Apply →
|
India's Most Rewarding Small Finance Bank Cards
Our AU Bank credit card specialists help you compare all cards to
find the perfect match — free eligibility check, no CIBIL impact,
30-minute expert callback.
How to Apply for an AU Bank Credit Card Online
Applying for an
AU Small Finance Bank credit card online through
MyBankingTips is completely free and digital:
1
Compare AU Cards on MyBankingTips
Review all AU Bank credit cards above. Compare features,
reward rates, lounge access, and annual fees. The comparison
table makes it easy to identify your best fit.
2
Free Eligibility Check — No CIBIL Impact
Enter your income, employment type, and city for an instant
soft enquiry eligibility check. Zero impact on your CIBIL
score — guaranteed.
3
Click Apply & Complete the Application
Redirected to the official AU Bank or partner portal. Fill in
personal details (name, PAN, DOB, address) and
income/employment information in under 5 minutes.
4
Upload Documents via eKYC
Upload PAN card, Aadhaar, latest salary slips, and 6-month
bank statement. AU Bank fully supports Aadhaar OTP-based eKYC
— no physical documents needed for most applicants.
5
Digital Review & Approval
AU Bank processes your application digitally. Existing AU Bank
savings or FD account holders often receive in-principle
approval within minutes via their pre-approved offers.
6
Card Delivery & AU 0101 App Setup
Card dispatched in 7–10 working days. Download the AU 0101
mobile banking app, activate your card, and start earning
reward points from your very first transaction!
💡
AU Bank Account Holders: Open the AU 0101 app →
Cards → "Credit Card Offers" to check for pre-approved credit card
offers with instant digital approval and zero documentation. AU
Bank frequently offers pre-approved cards to savings and FD
account holders.
AU Bank Credit Card Fees & Charges
Complete and transparent breakdown of all
AU Small Finance Bank credit card charges:
| Fee / Charge |
Amount |
Notes |
| Joining / Annual Fee |
₹0 – ₹14,999 + GST |
AU Altura is lifetime free. AU LIT base is free; add-ons
charged quarterly
|
| Finance Charges (Interest) |
3.49% per month (41.88% p.a.) |
Competitive rate for a small finance bank |
| Late Payment Fee |
₹100 – ₹1,200 |
Slab-based on total outstanding amount |
| Cash Advance Fee |
2.5% or ₹500 (whichever higher) |
No grace period; interest from withdrawal date |
| Foreign Transaction Fee |
3.5% + GST |
Standard across AU Bank credit cards |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per billing cycle |
| Fuel Surcharge |
1% of fuel transaction |
Waiver of 1% up to ₹200/month on select AU cards |
| Card Replacement Fee |
₹199 – ₹500 |
For lost, stolen, or damaged card replacement |
| Cheque Return Fee |
₹500 per instance |
For dishonoured payment instruments |
| GST on All Charges |
18% |
Applicable on all AU Bank credit card fees |
⚠️
Note: All AU Bank credit card fees are subject to
18% GST. AU Bank's interest rate of 3.49%/month (41.88% p.a.) is
actually competitive for a small finance bank. As always, paying
100% of your outstanding by the due date avoids all interest
charges entirely.
AU Bank Credit Card Eligibility Criteria
AU Small Finance Bank has relatively flexible eligibility criteria
compared to large private banks — making it more accessible for
first-time credit card users:
Age: 21 – 65 Years
Primary cardholder must be 21–65 years old. Add-on cardholders
from 18 years. AU Bank has one of the most flexible age ranges
for credit card eligibility.
Income: ₹15,000+/month
Salaried: ₹15,000/month for entry cards (AU Altura). AU Zenith
needs ₹1L+/month. Self-employed: ₹2L+ annual ITR. One of
India's most accessible income thresholds.
CIBIL Score: 650+
AU Bank accepts applicants with CIBIL scores from 650 —
significantly lower than most large banks. AU Zenith needs
750+. AU Altura (lifetime free) has the most flexible scoring
criteria.
Residency: Indian Citizen
Indian residents with valid address proof and PAN card. AU
Bank particularly welcomes customers from Tier-2 and Tier-3
cities — reflecting its small finance bank heritage.
Employment: Salaried or Self-employed
Both salaried employees and self-employed individuals are
eligible. AU Bank is particularly welcoming for small business
owners and entrepreneurs — its target market.
FD-Secured Card Available
AU Bank offers FD-backed secured credit cards for applicants
with no/low credit history or CIBIL score. Minimum FD of
₹20,000 required — perfect for building credit from scratch.
Documents Required for AU Bank Credit Card
Keep these documents ready for a fast, fully digital
AU Small Finance Bank credit card application:
| Document Type |
Accepted Documents |
| Identity Proof (KYC) |
PAN Card (mandatory), Aadhaar Card, Passport, Voter ID,
Driving Licence
|
| Address Proof |
Aadhaar Card, Passport, Voter ID, Utility bill (last 3
months), Registered rent agreement
|
| Income Proof – Salaried |
Last 3 months' salary slips, Latest Form 16, Last 6 months'
bank statement with salary credits
|
| Income Proof – Self-employed |
Latest 2 years' ITR with computation, Business proof
(GST/trade licence), Last 6 months' bank statement
|
| For FD-Secured Card |
AU Bank FD certificate or account statement showing active
FD (minimum ₹20,000)
|
💡
Aadhaar eKYC Available: For most AU Bank credit
card applications, the entire KYC process is completed digitally
through Aadhaar OTP verification — no physical document submission
or branch visit required. This makes AU Bank one of India's
fastest credit card application experiences.
AU Bank Credit Card Features & Benefits
AU Small Finance Bank credit cards are loaded with features that
punch well above their fee bracket:
🎁
High Reward Rates
Earn 1–25X reward points depending on category. AU Zenith offers
one of India's highest reward rates at 25X on select categories
like grocery and dining
✈️
Airport Lounge Access
Unlimited domestic & international lounge access on
Zenith/Zenith+. Entry cards get 4–8 visits/year at 1,000+
lounges via Dreamfolks across India
🔧
AU LIT — Customise Your Card
India's first customisable credit card. Choose your features
every quarter — lounge access, OTT subscriptions, insurance
cover, rewards category — and only pay for what you want
⛳
Golf Privileges
Complimentary golf rounds at premier golf courses — available on
AU Zenith and Zenith+ cards for premium lifestyle cardholders
📱
UPI Credit Card (RuPay)
AU Altura (RuPay) can be linked to UPI apps including Google
Pay, PhonePe, and BHIM — earn reward points even on UPI payments
at any merchant QR code
🏦
FD-Secured Credit Card
Build your credit history with AU's FD-backed secured card —
perfect for first-time credit users, students, and those
rebuilding credit scores
Additional AU card benefits:
fuel surcharge waivers, movie discounts, dining offers at 500+
restaurants, milestone-based bonus rewards, complimentary travel
insurance
(Zenith), spend-based annual fee reversals, and AU Bank's
industry-leading 24×7 customer service on the AU 0101 app.
AU Bank Credit Card Bill Payment Methods
Pay your AU Bank credit card bill on time through these convenient
channels to protect your CIBIL score:
| Payment Method |
Platform |
Time to Reflect |
| AU 0101 Mobile Banking App |
iOS / Android |
Instant |
| AU Bank Net Banking |
aubank.in |
Instant |
| NEFT / IMPS / RTGS |
Any bank app or branch |
Instant – 2 hours |
| Auto Pay / ECS Mandate |
AU Bank or other bank |
Auto on due date |
| Google Pay / PhonePe / Paytm (UPI) |
UPI apps |
Instant |
| BBPS (Bharat Bill Pay) |
Any BBPS app |
Instant – 2 hours |
| AU Bank ATM |
AU ATMs |
Same day |
| Branch / Cheque Drop |
AU Bank Branch |
3–5 working days |
💡
Recommended: Set up ECS auto-debit for the full
outstanding amount via the AU 0101 Mobile Banking app. This is the
best way to ensure zero late fees, maintain a perfect CIBIL
payment history, and enjoy the full interest-free period every
month.
How to Activate Your AU Bank Credit Card
1
Via AU 0101 Mobile Banking App
Open AU 0101 app → Cards → Credit Cards → Select new card →
"Activate Card" → Verify with OTP sent to registered mobile.
Instant activation.
2
Via AU Bank Net Banking
Log in to aubank.in → Cards → Credit Cards → Select new card →
"Activate" → Complete OTP verification on registered mobile
for instant activation.
3
Via Customer Care IVR
Call AU Bank helpline 1800-1200-1200 (toll-free) → Select
credit card options → Follow IVR for card activation → Verify
with card details and date of birth.
4
First ATM Transaction
Visit any AU Bank ATM → Set credit card PIN using the PIN
mailer → Complete a balance enquiry or mini-statement to
auto-activate the card.
AU Bank Credit Card Login & Net Banking
Manage your AU credit card account round-the-clock via these
official digital platforms — all featuring AU's award-winning UI:
Through AU's digital platforms:
view statements, pay bills, convert to EMI, track reward points,
dispute transactions, block/unblock card, customise your LIT card
features, and manage add-on cards — all from the industry-leading AU 0101
app.
How to Track AU Bank Credit Card Application Status
| Method |
How to Check |
| AU Bank Website |
Visit aubank.in → Cards → "Track My Application" → Enter
Reference Number + mobile number
|
| AU 0101 Mobile App |
AU 0101 → Cards → "Application Status" → Real-time
stage-by-stage update
|
| Customer Care |
Call 1800-1200-1200 with your Application Reference Number
ready
|
| SMS |
SMS "TRACK <Ref No.>" to 7406161616 from your
registered mobile number
|
| Email |
AU Bank sends automatic status update emails at each
processing milestone
|
AU Bank Reward Points Program — Earn More, Everywhere
AU Bank's proprietary reward points programme is one of India's most
generous — here's how each card earns:
| Card |
Base Rate |
Accelerated Rate |
Points Validity |
| AU Zenith |
2 pts/₹100 |
25X on grocery, dining, intl. spends |
3 years; no expiry (select tiers) |
| AU Zenith+ |
3 pts/₹100 |
25X on select categories |
Active account; no expiry |
| AU Altura Plus |
2 pts/₹100 |
10X on weekends (all spends) |
2 years from earn date |
| AU Altura (RuPay) |
1 pt/₹100 |
5X on grocery; UPI linked rewards |
2 years from earn date |
| AU Vetta |
2 pts/₹100 |
4X on travel & dining |
2 years from earn date |
| AU Xcite |
2X all spends (direct CB) |
— |
Statement credit; no expiry |
ℹ️
Reward Point Value: AU Bank reward points are
valued at approximately
₹0.25 per point for statement credit. For
flights, hotels, and premium voucher redemptions through the AU
rewards portal, the value can rise to ₹0.50–₹1 per point. The AU
Zenith's 25X categories effectively mean up to
6.25% effective cashback — outstanding for any
credit card in India.
How to Redeem AU Bank Credit Card Reward Points
1
Via AU 0101 App / Net Banking
Log in → Cards → Reward Points → Browse the AU Rewards
catalogue → Select flights, hotels, electronics, vouchers →
Confirm redemption instantly.
2
Statement Credit
Redeem points against your credit card outstanding balance.
Minimum 500 points; value ₹0.25/point. Automatically credited
to the next billing statement.
3
Travel Redemption (Zenith / Zenith+)
AU Zenith cardholders can book flights and hotels through the
AU travel portal using reward points for best value — up to ₹1
per point on premium travel bookings.
4
Partner Brand Vouchers
Redeem for Amazon, Flipkart, Myntra, BigBasket, Swiggy,
BookMyShow, and 150+ brands through the AU Rewards catalogue
available on the AU 0101 app.
AU Bank Credit Card Balance Transfer
Transfer high-interest outstanding balances from other credit cards
to your AU Bank card at a lower promotional rate:
| Feature |
Details |
| Minimum Transfer Amount |
₹5,000 |
| Maximum Transfer Amount |
Up to 75% of available AU Bank credit limit |
| Balance Transfer Rate |
1.25% – 1.5% per month (promotional rate) |
| Repayment Tenure |
3, 6, 9, or 12 months |
| Processing Fee |
2% of transfer amount + GST (minimum ₹250) |
| Eligibility |
Active AU Bank credit card with 6+ months usage and clean
repayment history
|
| Processing Time |
3–5 working days via NEFT to the other bank |
Apply for balance transfer via AU 0101 app → Cards → "Balance
Transfer" or call the AU Bank helpline 1800-1200-1200.
When is Interest Charged on an AU Bank Credit Card?
✅ When Interest is NOT Charged
-
✓When you pay 100% of the total outstanding
balance by the due date
-
✓On retail purchases within the interest-free
grace period
-
✓On EMI transactions — only the EMI interest rate
applies separately
-
✓On cashback credits, fee reversals, and reward
point adjustments
❌ When Interest IS Charged
-
✗On any balance carried forward from the previous
billing cycle
-
✗On cash advances — interest applies from the
exact withdrawal date
-
✗On the ENTIRE outstanding if even ₹1 remains
unpaid by due date
-
✗When only the minimum due amount is paid
(partial payment)
⚠️
Always Pay in Full: AU Bank charges
3.49% per month (41.88% per annum) on revolving
balances. Even ₹1 left unpaid triggers interest on the ENTIRE
outstanding from the statement date. Always pay 100% of the total
due — never just the minimum due amount.
AU Bank Credit Card Interest-Free Period
| Detail |
AU Bank Policy |
| Maximum Interest-Free Period |
Up to 48 days |
| Billing Cycle Duration |
30 days |
| Payment Due Date |
18 days after statement generation date |
| Condition for Zero Interest |
Full total outstanding (not minimum due) paid by the due
date
|
| Applicable on |
Retail purchases only — NOT on cash advances |
| Grace period forfeited if |
Any balance from prior statement period is carried over
unpaid
|
💡
Smart Tip: Make your largest purchases
immediately after your billing cycle date to enjoy the full 48-day
interest-free window. Check your billing date on the AU 0101 app
under "Card Details" or on any monthly statement.
AU Bank Credit Card EMI Facility
Convert large purchases or outstanding balances into affordable
monthly instalments with AU Bank's
Easy EMI programme:
| Feature |
Details |
| Minimum Transaction for EMI |
₹2,500 |
| EMI Tenure Options |
3, 6, 9, 12, 18, or 24 months |
| EMI Interest Rate |
12% – 18% p.a. depending on tenure and card variant |
| No-Cost EMI |
Available at Amazon, Flipkart, Croma, Samsung, Apple &
select partner merchants
|
| Balance to EMI |
Convert outstanding balance to EMI; minimum ₹2,500; tenures
3–24 months
|
| Foreclosure Charges |
3% on outstanding principal + applicable GST |
Convert to EMI via AU 0101 app → Cards → Transactions → Select
purchase → "Convert to EMI", or call 1800-1200-1200 within 30 days
of the purchase.
AU Bank Credit Card Customer Care
AU Small Finance Bank is consistently rated among India's top banks
for customer service quality. Here are all support channels:
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1800-1200-1200 |
24×7 |
| From Abroad |
+91-141-4110056 |
24×7 |
| AU Virtual Assistant |
AU 0101 App or aubank.in |
24×7 |
| Email Support |
care@aubank.in |
Response within 48 hours |
| Twitter / X |
@AUBank_India |
Mon–Sat 9AM–6PM |
| Branch Visit |
Nearest AU Small Finance Bank Branch |
Branch banking hours |
| MyBankingTips Expert |
business@mybankingtips.com |
Reply within 48 hours |
💡
Card Block: Use the AU 0101 app → Cards → "Block
Card" or call 1800-1200-1200 immediately if your card is lost or
stolen. AU Bank's card block is instant and a replacement is
dispatched within 5–7 working days.
Quick Links to Manage Your AU Bank Credit Card
Frequently Asked Questions — AU Small Finance Bank Credit Cards
Which is the best AU Small Finance Bank credit card in
2026?
For premium travel: AU Zenith+ (best in class, 25X rewards,
unlimited lounge). For best value premium: AU Zenith (₹7,999
fee, 25X rewards, unlimited lounge). For mid-premium: AU Altura
Plus (10X weekends, ₹999). For free card: AU Altura (lifetime
free, RuPay, UPI-linked). For innovation lovers: AU LIT
(customise your own card). For travel & dining: AU Vetta.
Contact our MyBankingTips experts at business@mybankingtips.com
for personalised advice.
What makes the AU LIT Credit Card unique?
The AU LIT Credit Card is India's first fully customisable
credit card. Instead of paying a fixed annual fee for a bundle
of features you may not use, with LIT you choose your features
every quarter — lounge access, OTT discounts, airport pickup,
insurance cover, cashback categories — and pay only for what you
select. The base card is free; you add features as needed. This
is perfect for consumers who want flexibility and hate paying
for benefits they don't use.
What is the minimum CIBIL score for an AU Bank credit
card?
AU Small Finance Bank is more flexible than most private banks
on credit scores. For entry-level cards like AU Altura and AU
Xcite, a CIBIL score of 650 or above is generally sufficient.
For mid-premium cards (Altura Plus, Vetta), 700+ is recommended.
For AU Zenith and Zenith+, 750+ is needed. AU Bank also offers
FD-backed secured credit cards for applicants with no credit
history or very low CIBIL scores — making it India's most
accessible credit card issuer.
Is AU Bank a reliable credit card issuer?
Absolutely yes. AU Small Finance Bank is regulated by the
Reserve Bank of India (RBI) — the same regulator that governs
SBI, HDFC, ICICI, and all major banks. AU Bank holds a scheduled
commercial bank licence and is a trusted financial institution.
Its credit cards are issued on the Visa and RuPay networks. AU
Bank has an AA- credit rating and has shown consistent
profitability and growth since its founding in 2017.
What are the AU Zenith card's best features?
AU Zenith is the most rewarding card AU Bank offers. Highlights:
(1) Up to 25X reward points on grocery, dining, and
international spends — equivalent to 6.25% effective cashback,
(2) Unlimited domestic and international airport lounge access,
(3) Complimentary golf rounds, (4) Comprehensive travel
insurance up to ₹1.5 Crore, (5) Welcome gift worth ₹5,000, (6)
Global concierge service, and (7) Annual fee of ₹7,999 — waived
on ₹12L annual spend. Best premium card value in the small
finance bank space.
Can I apply for an AU Bank credit card if I have no credit
history?
Yes! AU Bank is one of the few banks in India that actively
helps first-time credit users. You have two options: (1) Apply
for the AU Altura RuPay Credit Card — designed for entry-level
users with flexible eligibility, or (2) Apply for an FD-backed
secured credit card — deposit a minimum ₹20,000 as an FD with AU
Bank, and get a credit card with a limit of 80–90% of the FD
value. This is the fastest way to build a credit history from
zero. Our MyBankingTips experts can guide you through both
options.
Best AU Credit Cards for Rewards
AU Zenith+ Credit Card
Joining Fee: ₹4999
✈ Travel 🎥 Entertainment 🏆 Reward
- Earn 2 reward points per ₹100 on dining, travel and international spends
- Earn 1 reward point per ₹100 on other spends
AU LIT Credit Card
Joining Fee: ₹0
💵 Cashback 🏆 Reward ∞ Lifetime free
- Earn 5 reward points per ₹100 on online purchases with ₹199 plan (90 days)
- Earn 5 reward points per ₹100 on offline purchases with ₹199 plan (90 days)
AU Altura Plus Credit Card
Joining Fee: ₹499
💵 Cashback 🏆 Reward
AU Zenith Credit Card
Joining Fee: ₹7999
✈ Travel 🍽 Dining 🏆 Reward
- Earn 5 reward points per ₹100 on dining, international spends, groceries and departmental stores
- Earn 3 reward points per ₹100 on other spends
Best AU Credit Cards for Shopping
AU Altura Credit Card
Joining Fee: ₹199
🛒 Shopping 💵 Cashback Utility bill payment
- Get 2% cashback on groceries, departmental stores and utility payments (up to ₹50/month)
- Earn 1% cashback on other retail spends (up to ₹50/month)
Best AU Credit Cards for Travel
AU Zenith+ Credit Card
Joining Fee: ₹4999
✈ Travel 🎥 Entertainment 🏆 Reward
- Get complimentary Taj Epicure membership on annual spends of ₹12 lakh
- Enjoy low forex mark-up fee of 0.99% on international spends
AU Zenith Credit Card
Joining Fee: ₹7999
✈ Travel 🍽 Dining 🏆 Reward
- Enjoy low forex mark-up fee of 1.99% on international spends
- Get 2 domestic lounge visits per quarter on ₹20,000 quarterly spend and 2 international lounge visits via Priority Pass
Ixigo AU Credit Card
Joining Fee: ₹0
✈ Travel 💺 Airport Lounge Access Railway Lounge Access
- Enjoy zero forex mark-up fee on international spends
- Get 10% off on hotel bookings (up to ₹1,000/month) via Ixigo
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What Our Customers Say
★★★★★
"The AU Zenith card has the most generous rewards I've seen on
any card in India. 25X on grocery means I earn 6.25% effective
cashback on my BigBasket orders! Unlimited lounge access is
genuinely unlimited — no cap, no games. Amazing value!"
S
Suresh Patel
Business Owner, Ahmedabad
★★★★★
"The AU LIT card concept blew my mind — I only pay for the
features I actually use. I enabled lounge access for winter
travel season and disabled it for summer. Saved ₹2,000 vs a
fixed-fee card with features I never use. MyBankingTips
explained it so well!"
N
Neha Joshi
Product Manager, Bangalore
★★★★☆
"Got the AU Altura (free RuPay card) as my first ever credit
card with no credit history — they approved me based on my AU
FD. Now my CIBIL score is 756 after 18 months of responsible
use. The FD option is a genuine game-changer for beginners!"
R
Rohan Verma
College Graduate, Jaipur
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