Joining fee
NIL (Lifetime Free)
Annual fee
NIL (Lifetime Free)
- 5% cashback on groceries, travel, dining & electronics
- Customizable 90-day features you can switch on or off anytime
- Complimentary domestic airport lounge access option
AU Small Finance Bank Cards
The perfect AU Card for your lifestyle
Save more, earn more, and enjoy up to 15% off on groceries & food delivery, BOGO movie tickets, 10% cashback, and complimentary airport lounge access.
60+ cards
30+ issuing banks
100% digital
Lifetime free options
Trusted by leading
financial partners
Trusted by leading financial partnersHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
AU card catalog
Choose from top AU Bank credit cards
All AU Bank credit cards
Best for: All spend types & lifestyles
Build credit, earn accelerated rewards, and enjoy everyday perks with zero joining fees, cashback, and travel privileges.
Joining fee
₹499 + GST
Annual fee
₹499 + GST
- 1.5% cashback on all online merchant transactions
- 2X reward points on utility bills & departmental store purchases
- 2 complimentary railway lounge visits per quarter
Joining fee
₹2,999 + GST
Annual fee
₹2,999 + GST
- 4 complimentary domestic & international airport lounge visits
- Bonus quarterly vouchers up to ₹1,000 on milestone spends
- 1% fuel surcharge waiver across all fuel stations in India
Joining fee
₹7,999 + GST
Annual fee
₹7,999 + GST
- 8 complimentary domestic & international airport lounge visits
- 20 reward points per ₹100 spent on dining & international spends
- Complimentary golf rounds and golf lessons every month
Joining fee
₹1,000 + GST
Annual fee
₹1,000 + GST
- Up to 15% off on groceries & food delivery via partner apps
- Buy One Get One Free movie ticket every month
- 8 airport lounge accesses per year for seamless travel
Joining fee
₹2,000 + GST
Annual fee
₹2,000 + GST
- Complimentary domestic airport lounge access with flight bookings
- Up to 15% off on hotel bookings, shopping & fine dining
- Up to 50,000 bonus reward points on annual spends
How it works
Get your AU card in 3 simple steps
- 1
Personal Details
Mobile number, city, PAN, DOB and Aadhaar-linked phone verification.
- 2
Professional Details
Occupation type, monthly income details, employer name, and work pincode.
- 3
100% Digital KYC
Complete fast video KYC on AU Bank's digital portal with instant limit sanction.
AU Eligibility
Who can get an AU Bank credit card?
Age18 - 65 years
ResidencyIndian resident
IncomeVaries by card, from ₹10,000/month
Credit score650+ improves approval
LocationPincode serviced by the issuer
No credit history? Some banks offer secured cards against a fixed deposit, a good way to build your score.
Documents
Keep these handy for onboarding
PAN card
Mandatory for all credit card applications
Aadhaar or address proof
Passport, voter ID, driving licence, or utility bill
Photograph
Passport-size photo or selfie during video KYC
Income proof
Last 2–3 salary slips, bank statements, or ITR for self-employed
Fee & charges
Know AU card costs before you apply
Credit cards are free to use when you pay your full bill on time. Here are the charges that may apply
Joining fee
One-time charge in the first year, from ₹0 to ₹12,500+ (often offset by welcome benefits).
Annual fee
Yearly renewal charge from the 2nd year onwards, usually waived on meeting annual spend targets.
Finance charges
3% – 3.75% per month (36% – 45% p.a.) if you don't pay the total amount due by the due date.
Late payment fee
₹100 to ₹1,300 depending on the unpaid statement balance if minimum due isn't paid on time.
Cash withdrawal
2.5% – 3% of the withdrawn amount (min ₹300–₹500) plus interest from day one.
Forex markup
1.5% – 3.5% on international transactions (0% on select travel cards).
Over-limit fee
2.5% of the over-limit amount (min ₹500), charged only if you opt in to over-limit facility.
GST
18% GST applies on all fees, interest, and EMI processing charges.
Use it smartly
5 smart tips to manage your AU credit card
Pay the full bill, not the minimum
Paying only the minimum due (usually 5%) keeps your account active, but you lose the interest-free period and pay 36%–45% annual interest on the remaining balance.
Keep utilisation under 30%
If your credit limit is ₹1,00,000, try to keep your monthly statement under ₹30,000. Lower credit utilisation boosts your credit score.
Use the 45–50 day interest-free window
Big purchases made right after your statement generation date get up to 50 days of interest-free credit before the payment is due.
Never withdraw cash from an ATM
Credit card cash advances attract a 2.5%–3% fee immediately and start accruing daily interest from the moment of withdrawal.
Don't apply everywhere
Each credit card application triggers a hard enquiry on your credit report. Check eligibility first and apply only to 1–2 cards that fit your profile.
Do's
- Choose a card that matches your lifestyle
- Review your statement every month
- Pay on time, every time: set up autopay
- Spend within what you can repay
- Use the interest-free period to your advantage
Don'ts
- Pay only the minimum amount due
- Go over your credit limit
- Delay or miss payments
- Close your oldest card without thinking it through
- Treat your limit as extra income
AU Bank
AU Bank Credit Cards FAQs
Answers to common questions about AU Bank credit cards, lifetime free LIT card, and lounge access.
01What makes AU Small Finance Bank credit cards unique?
01What makes AU Small Finance Bank credit cards unique?
AU Bank offers industry-first customizable credit cards like the AU LIT Card, where cardholders can turn specific features on or off every 90 days, only paying for perks they actually use, alongside lifetime free options.
02Is the AU LIT Credit Card truly lifetime free?
02Is the AU LIT Credit Card truly lifetime free?
Yes. The AU LIT Credit Card carries zero joining fee and zero annual renewal fee. You only choose and activate the specific cashback or lounge packs you want on a quarterly cycle.
03What CIBIL score is required for an AU Bank credit card?
03What CIBIL score is required for an AU Bank credit card?
A CIBIL score of 730 or above is recommended for fast approval. Applicants with existing active credit cards (6+ months vintage) enjoy higher instant in-principle approval limits.
04Do AU credit cards offer airport and railway lounge access?
04Do AU credit cards offer airport and railway lounge access?
Yes. AU Altura Plus offers complimentary railway lounge visits, while AU Vetta, Zenith, and LIT offer domestic and international airport lounge accesses.