Summary
AU Small Finance Bank offers a range of credit cards (Top 10 AU Small Finance Bank Credit Card) for different spending needs, be it shopping, travel, dining, or entertainment. The credit cards are very attractive with wonderful offers in the way of reward points, cashback, airport lounge privilege, fuel surcharge rebate, and zero-cost EMI offers, which can prove to be a wonderful option for individuals looking for convenience coupled with savings.
One of the best aspects of AU Small Finance Bank credit cards is the simplicity with which they can be used. Customers are rewarded with points for each purchase, receive exclusive offers on dining at restaurants and entertainment, and even enjoy lower forex markup charges while shopping abroad. Credit cards such as AU Zenith+ and AU Vetta suit users living in style with luxury features, and AU InstaPay and AU Xcite are for those who want instant approvals and convenient rewards.
Besides rewards and savings, these credit cards also feature sophisticated security measures in the form of chip-based protection, contactless transactions, and fraud tracking to ensure safe and convenient transactions. The simple online application facility and instant digital approval for some cards make them available to a large base of users.
Introductions
In today’s world, a credit card is not just a means to pay bills; it’s all about benefits, rewards, and convenience. AU Small Finance Bank offers a range of credit cards catering to different needs, whether shopping, travel, cashback, or lifestyle premieres. Whether you are a tourist, an online consumer, or a food enthusiast, AU Bank credit cards have something unique for everyone.
AU Small Finance Bank is among India’s top small finance banks specializing in customer-centric banking. Their credit cards have great features, such as cashback on spending, reward points, airport lounge access, and dining and shopping benefits. If you want financial freedom with fantastic benefits, an AU Small Finance Bank credit card can be a good choice.
In this article, we will be informing you about the Top 10 Features of AU Small Finance Bank Credit Cards that have become so well-liked by customers. Whether travel benefits, entertainment deals, or zero-interest EMI deals, these credit cards offer everything. Tell us what makes AU Small Finance Bank credit cards so special!
Top 10 AU Small Finance Bank Credit Card Features
AU Altura Plus Credit Card
The AU Altura Plus Credit Card is a premium card for shopaholics, foodies, and reward enthusiasts. The card is brought to you by AU Small Finance Bank and comes with such thrill-filled benefits as cashback on spending, reward points on each transaction, fuel surcharge rebates, and lifestyle rewards. You can shop online or swipe at malls; the AU Altura Plus Credit Card gives you extra value for each rupee you spend.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Point | Get reward points on every spend, including dining, shopping, and travel. |
| Welcome Benefits | Get bonus reward points on your first purchase. |
| Cashback Benefits | Get cashback on certain categories, such as fuel and groceries. |
| Fuel Surcharge Waiver | Get a fuel surcharge waiver at every fuel station in India. |
| Dining Benefits | Experience special offers on dining at restaurant partners. |
| Airport Lounge Access | Airport lounge free access in major cities. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Security Features | Chip-based security with fraud protection and monitoring. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | ₹499 (waived on annual spends of ₹1 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
AU Zenith+ Credit Card
For luxury buyers of big spenders, the AU Zenith+ Credit Card is the bank’s best product from AU Small Finance Bank. Frequent flyers and lifestyle shoppers would be their target customers since it boasts an airport lounge, concierge, enhanced reward points, dining privileges, and travel perks. With its class-best features and upper-class benefits, AU Zenith+ Credit Card brings a festive and hassle-free experience.
| Features | Detail |
| Joining Fee | ₹4,999 + GST |
| Reward Point | Premium reward points on all spending, including travel, dining, and shopping. |
| Welcome Benefits | Personal welcome gift or reward bonus points on first spend. |
| Luxury Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | Get a fuel surcharge waiver at every fuel station in India. |
| Dining Benefits | exclusive restaurant and fine dining restaurant discounts. |
| Airport Lounge Access | Free domestic and international airport lounge access. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Improved chip security and fraud tracking for secure usage. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | ₹4,999 (waived on annual spends of ₹10 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
AU Vetta Credit Card
The AU Vetta Credit Card is a luxury credit card of AU Small Finance Bank, designed for those seeking better rewards, travel privileges, and lifestyle rewards. The card includes lounge access at airports, increased reward points, dining rewards, and the elimination of fuel surcharges for frequent flyers and high-value individuals. Whether you enjoy shopping, eating out, or visiting new destinations, the AU Vetta Credit Card provides fantastic value and convenience with each purchase.
| Features | Detail |
| Joining Fee | ₹2,999 + GST |
| Reward Point | Earn extra reward points on travel, dining, and online spending. |
| Welcome Benefits | Receive bonus reward points or special discounts on your first spend. |
| Luxury Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No extra fee on fuel transactions at all fuel stations. |
| Dining Benefits | Exclusive discounts at luxury restaurants in India. |
| Airport Lounge Access | Free entry to certain domestic and international airport lounges. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Increased security with chip-based protection and fraud monitoring. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | ₹2,999 (waived on annual spends of ₹5 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
AU Spont Credit Card
AU Spont Credit Card is an excellent option for those who wish to earn reward points on day-to-day spending such as eating out, shopping, fuel, and so on. The card is issued by AU Small Finance Bank and provides excellent benefits such as cashback, fuel surcharge waiver, restaurant offers, and easy EMI. Whether online spending or card swipes at restaurants and malls, AU Spont Credit Card provides excellent savings and convenience.
| Features | Detail |
| Joining Fee | ₹299 + GST |
| Reward Point | Earn reward points on all spending, such as shopping, dining, and fuel. |
| Welcome Benefits | Get bonus reward points on the first transaction. |
| Cashback Rewards | Avail cashback on certain categories such as groceries and utility bills. |
| Fuel Surcharge Waiver | No additional charges on fuel transactions at any fuel station. |
| Dining Benefits | Exclusive discounts at partner restaurants in India. |
| Contactless Payment | Tap & Pay facility for secure and easy transactions. |
| Premium Security Features | Increased security with chip-based protection and fraud monitoring. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | ₹299 (waived on annual spends of ₹1 lakh) |
| EMI Facility | Pay big bills through easy EMIs without any additional cost. |
| Global Acceptance | Accepted at millions of places globally |
AU Zenith Credit Card
The AU Zenith Credit Card is a high-end card by AU Small Finance Bank for people who appreciate luxury, privileged privileges, and high reward points. It includes airport lounge access at no charge, high reward points, concierge, dining savings, and travel rewards, and therefore is suited for regular flyers and high-spending executives.
| Features | Detail |
| Joining Fee | ₹7,999 + GST |
| Reward Point | Get additional reward points on travel, dining, and shopping. |
| Welcome Benefits | Bonus reward points or special offers on first spend. |
| Luxury Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No additional charges on fuel transactions. |
| Dining Benefits | Exclusive discounts at fine dining restaurants. |
| Airport Lounge Access | Free access to domestic and international airport lounges. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Enhanced chip-enabled security with fraud tracking. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | ₹7,999 (waived on annual spends of ₹10 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
Aditya Birla AU Bank Credit Card
The Aditya Birla AU Bank Credit Cards are designed to offer exciting rewards, lifestyle benefits, and financial ease. The credit cards are accompanied by cashback, reward points, travel perks, fuel surcharge waivers, and shopping discounts and hence are ideal for everyday spending as well as luxury experiences. If you are a travel enthusiast, a shopaholic, or a foodie who loves dining out, these credit cards offer excellent savings and special privileges.
| Features | Detail |
| Joining Fee | Nil |
| Reward Point | Reward points on all spending, including shopping, dining, and travel. |
| Welcome Benefits | Bonus reward points or special offers on first transaction. |
| Luxury Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No additional fee on fuel transactions at all the fuel stations. |
| Dining Benefits | Special discounts and offers at leading restaurants. |
| Airport Lounge Access | Free domestic and international airport lounge access. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Sophisticated chip-enabled security and fraud protection. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | Nil |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
AU Bank Xcite Ultra Credit Card
The AU Bank Xcite Ultra Credit Card is the most rewarding credit card that is apt for individuals looking for the most from shopping, travelling, eating, and recreation. Rewards such as speedier reward points, usage of airport lounges, waiving off the fuel surcharge, and lifestyle benefits will be offered solely through this card.
| Features | Detail |
| Joining Fee | Nil |
| Reward Point | Avail additional reward points on shopping, dining, and travel. |
| Welcome Benefits | Earn additional reward points on initial spending. |
| Luxury Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No additional charges on fuel transactions at any fuel pumps. |
| Dining Benefits | Exclusive discounts at high-end restaurants. |
| Airport Lounge Access | Free domestic and international airport lounge access. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Enhanced chip-based security and fraud protection. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | Nil |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
AU Bank Xcite Credit Card
The AU Bank Xcite Credit Card is designed for individuals who prefer earning rewarding surprises on shopping, dining, fuel, and travel and getting awesome savings. The card offers cashback, reward points, fuel surcharge remissions, and lifestyle rewards, hence suitable for daily usage. Irrespective of whether you shop online or dine out often, the Xcite Credit Card offers the utmost value on each purchase.
| Features | Detail |
| Joining Fee | Nil |
| Reward Point | Earn reward points on shopping, dining, and travel. |
| Welcome Benefits | Earn reward points on your first spend. |
| Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No additional charges on fuel transactions at any fuel pumps. |
| Dining Benefits | Exclusive discounts at high-end restaurants. |
| Cashback Benefits | Get cashback on specified categories such as groceries and fuel. |
| Entertainment Offer | Get movie tickets and event discounts. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Enhanced chip-based security and fraud protection. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | Nil |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
AU Bank Xcite Ace Credit Card
The AU Bank Xcite Ace Credit Card is suitable for those who are looking to make the most out of rewards, cashback, and lifestyle perks on everyday expenses. This credit card gives customers faster reward points, dining deals, fuel surcharge exemptions, and entertainment rewards, which suit shopping, travelling, and enjoyment. Be it spending on the necessities or indulging in luxurious treats, the Xcite Ace Credit Card brings excellent savings and special privileges.
| Features | Detail |
| Joining Fee | Nil |
| Reward Point | Earn reward points on shopping, dining, and travel. |
| Welcome Benefits | Earn reward points on your first spend. |
| Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No additional charges on fuel transactions at any fuel pumps. |
| Dining Benefits | Exclusive discounts at high-end restaurants. |
| Cashback Benefits | Get cashback on specified categories such as groceries and fuel. |
| Entertainment Offer | Exclusive discounts on movie tickets and events. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Enhanced chip-based security and fraud protection. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | Nil |
| EMI Facility | Convert large purchases into affordable EMIs. |
| Global Acceptance | Accepted at millions of places globally |
AU Bank InstaPay Credit Card
The AU Bank InstaPay Credit Card is a 100% digital card that provides instant and convenient credit access without any proof of income. With the facility of instant approval, cashback on payments, reward points, and waiver of fuel surcharge, the card is most suitable for anyone who wants hassle-free and safe payment. Be it online buying or bill payment, the InstaPay Credit Card offers rapid, convenient, and rewarding payments.
| Features | Detail |
| Joining Fee | Nil |
| Reward Point | Earn reward points on shopping, dining, and travel. |
| Welcome Benefits | Earn reward points on your first spend. |
| Concierge Service | Concierge service on a 24/7 basis for flights, table bookings, and so on. |
| Fuel Surcharge Waiver | No additional charges on fuel transactions at any fuel pumps. |
| Dining Benefits | Exclusive discounts at high-end restaurants. |
| Cashback Benefits | Get cashback on specified categories such as groceries and fuel. |
| Entertainment Offer | Get movie tickets and event discounts. |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Premium Security Features | Enhanced chip-based security and fraud protection. |
| Easy Bill Payments | Pay electricity bills, recharge, and more via the card. |
| Annual Fee | Nil |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
Conclusion
AU Small Finance Bank has various credit cards that are ideal for meeting various personal financial requirements, including shopping, travel, dining out, and entertainment. The top 10 benefits of AU Small Finance Bank credit cards, including reward points, cashback benefits, airport lounge access, fuel surcharge refund, easy EMI, and contactless payments, make AU Small Finance Bank credit cards immensely useful for frequent use.
One of the most significant benefits of such credit cards is flexibility. Whether you are an avid traveler who desires to enjoy access to airport lounges, a mall rat who desires to earn points on each spend, or one who desires cash back on your electricity bills, there is an AU Bank credit card for you. The zero-cost EMI facility increases the convenience of handling big buys, and lower forex markup fees are a bonus for foreign travelers.
Another feature is convenience and safety. From contactless transactions to chip-based security and fraud security, AU Small Finance Bank ensures that the customers are given a safe and convenient experience of transactions. The easy application process and online real-time approval for some of the cards make it even more convenient for customers to get a credit card without having to wait long.
Frequently Asked Questions (FAQ’s)
Ans: Interest rates are based on the card type and usage. One should refer to the official AU Bank website for up-to-date rates.
Ans: Yes, AU Small Finance Bank credit cards offer a fuel surcharge waiver at every fuel pump in India, saving you money on fuel expenses.
Ans: Certainly. AU Bank credit cards offer a zero-cost EMI facility so that you can pay for big transactions in the form of easy monthly installments.
Ans: AU Bank credit cards have chip-based security, contactless payment, and fraud detection to ensure safe transactions.
Ans: You can call AU Small Finance Bank’s customer care number, visit the nearest branch, or use the mobile banking app for assistance.
