AU Small Finance Bank Credit Cards

AU Zenith is AU Small Finance Bank's premium card, repriced by the 1 January 2026 devaluation. The ₹7,999 + GST fee waives at ₹5 lakh of annual spend. Earning was cut to 3 reward points per ₹100 on most spends (~0.75%) and 5 RP per ₹100 on dining, international and grocery (~1.25% at ₹0.25/point) — down from the old 20X/10X rates — and the quarterly voucher and Taj Epicure benefit were withdrawn. It still carries spend-gated airport lounge access (8 domestic + 8 international a year) and a 2,500-point birthday bonus, but a second revision on 1 October 2026 raised the forex markup from 1.99% to 3.49% and cut the fuel-surcharge waiver cap from ₹1,000 to ₹100 a statement cycle. AU is now steering new applicants toward Zenith+.

Why it stands out Spend-gated lounge access (8 domestic + 8 international a year) for existing AU customers

Best suited for For AU Small Finance Bank customers spending ₹60,000–1,20,000/month who want a premium travel card without joining HDFC or ICICI. The lounge access is the draw; at a 3.49% forex markup since 1 October 2026 it is no longer a card to spend abroad on.

AU Zenith Plus is AU's metal premium card. It opens with a ₹5,000 brand voucher (or 5,000 reward points) and earns 2 reward points per ₹100 on dining, travel and international spends — with AU valuing 1 reward point at ₹1, that is a genuine 2% return on those categories and 1% elsewhere. On top sits a complimentary Taj Epicure membership on ₹12 lakh of net retail spend in an anniversary year, complimentary golf, BookMyShow tickets, unconditional airport lounge access and a 1% fuel surcharge waiver up to ₹1,000. At ₹4,999 it undercuts the older ₹7,999 Zenith while adding a metal form factor.

Why it stands out A metal premium card pairing a 2% dining/travel/international earn with Taj Epicure and golf

Best suited for For premium spenders who value Taj Epicure dining/stay privileges, golf and generous lounge access, backed by a genuine 2% earn on dining, travel and international spends — and who can clear AU's published ₹2.5 lakh monthly income bar.

AU Traverse is a premium travel credit card offered specifically to Non-Resident Indians (NRIs). It is built for cross-border spending — a low 0.99% forex markup on international transactions, 2 complimentary domestic and international airport lounge visits per quarter, airport Meet & Assist and spa access (4 each a year), a MakeMyTrip voucher worth ₹5,000 as a welcome benefit, reward points on international and domestic spends, a flat ₹500 cashback on duty-free shopping of ₹10,000+, and a 1% fuel surcharge waiver up to ₹250. The ₹4,999 fee waives on ₹6 lakh of anniversary-year spend. Eligibility is restricted to NRIs.

Why it stands out An NRI-only premium travel card with a 0.99% forex markup and global lounge access

Best suited for For Non-Resident Indians who spend across borders and want low forex, global lounge access and travel perks on an AU relationship — not for resident applicants, who are not eligible.

AU Ananta is a mid-tier rewards card pitched at accelerated everyday earning — 5 reward points per ₹100 on shopping, dining and travel (capped at a shared 5,000 points a statement cycle) and 2 points per ₹100 on other retail spends. It opens with 8,000 bonus reward points on activation plus a first transaction within 30 days, and a four-step milestone ladder returns up to 50,000 bonus points across a card anniversary year, starting at ₹2.5 lakh of spend. A 15% instant discount at Amazon Fashion, District dining and AU Rewardz hotels (max ₹500 per merchant a month), domestic lounge access and a 1% fuel surcharge waiver round it out. The ₹2,000 fee waives on ₹3,00,000 of annual retail spend.

Why it stands out Up to 5 reward points per ₹100 on shopping, dining and travel with an 8,000-point welcome

Best suited for For spenders who concentrate on shopping, dining and travel and want a points card that earns hard on those categories without stepping up to a premium annual fee.

The AU CA Credit Card is a lifetime-free metal card designed for Chartered Accountants (ICAI members). It earns 8 reward points per ₹100 on dining, travel, tax payments and software purchases — the spends that matter to a practising CA — with accelerated points on both business and personal use. Cash, rent, wallet loads, education, government, transportation, EMI, fuel, BBPS and quasi-cash spends are excluded from earning. It adds 25% cashback on ICAI membership renewal, 2,000 bonus points for spending ₹5,000 within 30 days of activation plus a SwiggyOne Quarterly Dining Membership on ₹10,000 spent in the same window, 2 complimentary domestic airport lounge visits per quarter (from 1 October 2026 only after ₹50,000 of spend in the previous calendar quarter), and a 1% fuel surcharge waiver up to ₹250. Eligibility is restricted to ICAI members.

Why it stands out A lifetime-free metal card for Chartered Accountants — 8 points per ₹100 on tax, software, dining and travel

Best suited for For practising Chartered Accountants who make sizeable tax-payment and software spends and want a zero-fee metal card that earns hard on exactly those categories.

The AU CS Credit Card is a lifetime-free metal card designed for Company Secretaries (ICSI members). It mirrors the AU CA card — 8 reward points per ₹100 on dining, travel, tax payments and software purchases across business and personal use (capped 5,000 points per statement cycle), 2 points per ₹100 on other retail spends, and 1 point per ₹100 on utility, telecom and insurance (capped 100 points per transaction) — with cash, rent, wallet loads, education, government, transportation, EMI, fuel, BBPS and quasi-cash excluded from earning. It adds 25% cashback on ICSI membership renewal, 2,000 bonus points for spending ₹5,000 within 30 days of activation plus a SwiggyOne Quarterly Dining Membership on ₹10,000 spent in the same window, 2 complimentary domestic airport lounge visits per quarter (from 1 October 2026 only after ₹50,000 of spend in the previous calendar quarter), a 1% fuel surcharge waiver up to ₹250, and a low 1.99% forex markup. Eligibility is restricted to ICSI members.

Why it stands out A lifetime-free metal card for Company Secretaries — 8 points per ₹100 on tax, software, dining and travel

Best suited for For practising Company Secretaries who make regular tax-payment and software spends and want a zero-fee metal card that earns hard on exactly those categories.

The ixigo AU Credit Card is a lifetime-free travel co-brand built for people who book through ixigo. It gives 10% off (up to ₹3,000) on flight bookings, 10% off (up to ₹3,000) on hotel bookings, and waives payment-gateway charges on train bookings up to 4 times a month (2 on ixigo + 2 on ConfirmTkt) — a real saving for frequent rail travellers. Everyday spends earn a flat 5 reward points per ₹200 across online, offline and UPI, a ₹75,000 calendar-quarter spend unlocks 5,000 bonus points, and the card carries a full lounge set — 8 domestic (spend-gated) and 8 railway visits a year plus 1 international via Priority Pass. It opens with 1,000 reward points plus 1,000 ixigo Money, all at no annual fee, and links to UPI for scan-and-pay.

Why it stands out A lifetime-free travel card — 10% off flights and hotels, no gateway charge on trains

Best suited for For travellers who book flights, hotels and especially trains through ixigo and want a zero-fee card whose discounts pay back on every booking.

AU Laksya is a mid-tier rewards card built for everyday household spend — 5 reward points per ₹100 on grocery, departmental stores and contactless payments (grocery/departmental capped at 1,000 points a cycle; contactless uncapped), with 2 points per ₹100 on other retail spends. It opens with 4,000 bonus reward points (or a ₹1,000 brand voucher) on activation and adds a flat 15% off at partner merchants, buy-one-get-one movie tickets each month, and 8 domestic airport lounge visits a year (max 2 a quarter, unlocked by ₹50,000 spend in the previous quarter). The ₹1,000 fee waives on ₹2,00,000 of annual retail spend.

Why it stands out Up to 5 points per ₹100 on grocery and shopping, 8 lounge visits and BOGO movie tickets

Best suited for For households that spend heavily on groceries and departmental stores and want lounge access plus everyday entertainment perks (movies, partner discounts) on a moderate fee.

AU LIT is India's most modular credit card: lifetime-free, with a base earn of just 1 reward point per ₹100 (~0.25%). You switch benefit "packs" on and off in 90-day windows via the AU 0101 app, each pack carrying a quarterly fee of ₹49–₹399. Activate the right pack and you can earn up to 5% cashback on chosen day-to-day categories like grocery and apparel, or layer on lounge access, OTT and more; leave the packs off and you hold a near-zero-reward free card. It rewards users whose spending and benefit needs change seasonally and who will actively manage the packs — and underwhelms anyone who sets it and forgets it.

Why it stands out Lifetime-free modular card — toggle paid benefit packs (₹49–₹399/quarter) for up to 5% cashback on chosen categories; only ~0.25% base without a pack

Best suited for For hands-on users whose spending shifts season to season and who will actively switch packs on and off to match it. A poor fit for anyone wanting a simple, automatic earn rate.

AU Xcite Ace is the cashback member of the Xcite SwipeUp family — a ₹749 RuPay card that pays up to 3% cashback through monthly milestones (1% on ₹7,500 of spend, 2% on ₹12,500, 3% on ₹20,000) and adds 2 complimentary domestic airport lounge visits per quarter once you have spent ₹50,000 in the previous quarter. A 1% fuel surcharge waiver is included, and the fee waives on ₹2,00,000 of annual spend. It sits a rung above the base Xcite for spenders who want cashback and airport lounges.

Why it stands out Up to 3% milestone cashback plus quarterly lounge access on a RuPay card

Best suited for For steady RuPay/UPI spenders who cross ₹12,500 a month and want flat-ish cashback plus airport lounge access without a large annual fee.

AU Xcite Ultra is the reward-points sibling of the Xcite Ace — the same ₹749 RuPay card, but earning by transaction channel rather than category. It pays 4 reward points per ₹100 on offline spends, 8 per ₹100 on online spends and 12 per ₹100 on international spends, with utility, telecom and insurance at 1 point per ₹100. Milestones add 500 points on ₹5,000 spent between the 1st and 5th of each month and 5,000 points on ₹2.5 lakh of anniversary-year spend. Airport lounge visits (2 a quarter) unlock on ₹50,000 of previous-quarter spend, and the fee waives on ₹2,00,000 of annual spend.

Why it stands out Channel-tiered earn — 4, 8 and 12 reward points per ₹100 offline, online and international

Best suited for For online-first RuPay/UPI spenders — the 8-points-per-₹100 online channel (≈2% at ₹0.25 a point) is where this card earns its keep, backed by monthly and anniversary milestones.

AU Vetta is AU Bank's mid-tier lifestyle card with accelerated rewards on grocery and departmental stores, a base rate on most other retail, and a token 1 point per ₹100 on utility, telecom and insurance. A good step-up from Altura for AU customers whose monthly spending has grown to ₹25,000–50,000.

Why it stands out Mid-tier lifestyle card for growing AU relationships

Best suited for For AU Bank customers who have outgrown Altura and want accelerated rewards on grocery and departmental-store spends before committing to Zenith. Moderate lifestyle benefits for a ₹2,999 fee (waived at ₹1.5 lakh annual spend).

AU Altura is AU Small Finance Bank's entry rewards card. It earns 2% cashback on grocery, departmental-store and utility spends and 1% on everything else — but both are capped at just ₹50 per statement cycle, so the real return is modest. The ₹199 annual fee waives at ₹40,000 of annual spend. There is no airport lounge access; instead the card offers 2 complimentary railway lounge visits per quarter (8 a year), plus a 1% fuel surcharge waiver and a ₹50 milestone cashback in any statement cycle where retail spends cross ₹10,000. A basic everyday card rather than a rewards engine.

Why it stands out Two railway lounge visits a quarter on a low-fee entry card

Best suited for For AU Small Finance Bank account holders getting their first credit card. The railway lounge visits add a touch of premium to an entry card, making it more aspirational than most entry cards.

AU Altura Plus is the step up from the Altura — a ₹499 RuPay card that pays 1.5% cashback on offline retail spends (capped ₹100 per statement cycle) and 2X reward points (2 per ₹100) on online spends; offline spends beyond the cashback cap earn 1 point per ₹100. A recurring milestone of 500 bonus reward points on ₹20,000 of retail spend in a calendar month lifts the take for steady spenders. It keeps the Altura family's travel touch — 8 railway lounge visits a year — plus a 1% fuel surcharge waiver. The ₹499 fee waives on ₹80,000 of annual spend (₹20,000 in the first 90 days waives year one).

Why it stands out 1.5% cashback offline plus 2X reward points online on a low-fee RuPay card

Best suited for For AU account holders who have outgrown the entry Altura and want a slightly richer everyday card — a mix of flat cashback offline and points online — without moving to a fee-bearing rewards card.

AU NOMO — "from fixed deposit to flexible credit" — is a secured card issued against a fixed deposit, so AU asks for no income proof, no documents beyond KYC and no existing credit history — the card is built for applicants with no bureau footprint, and reports to the bureaus so it builds one. It pays 2 reward points per ₹100 on retail spends and 1 point on utility and insurance, opens with 500 welcome points on your first transaction, and runs a milestone of 500 points on ₹25,000 of quarterly spend (doubled at ₹50,000). Its standout is a low 0.99% foreign-currency markup — rare on any card, let alone a secured one — plus a 1% fuel surcharge waiver. The deposit terms are specific and worth reading before you commit money — AU requires at least ₹20,000 in a solely-owned fixed deposit, held in cumulative, auto-renewing mode and booked for a fixed 24-month tenure, with a lien marked on 100% of its value. Joint, tax-saving, third-party and non-callable deposits do not qualify.

Why it stands out A secured card against a fixed deposit with a standout 0.99% forex markup, on Visa, so it works wherever Visa is accepted abroad

Best suited for For thin-file or credit-building applicants who want a secured card that still earns points. The low 0.99% forex markup is a genuine edge, and on Visa it works wherever Visa is accepted abroad — judge it as a cheap card to spend overseas with, not as a travel-rewards card.

AU Prathama is a first-mover entry card — the name means "first" — priced at just ₹100 and aimed at people taking their first credit card. It earns 1 reward point per ₹100 as the base, with 2 points per ₹100 on contactless (Tap & Pay) spends and on the incremental portion above ₹5,000 in a cycle, gives a one-time 500-point bonus per merchant on your first recurring-payment (SI) setup, and adds a 1% fuel surcharge waiver. The ₹100 fee waives on ₹75,000 of annual retail spend.

Why it stands out A ₹100-fee first card that rewards recurring payments and contactless spends

Best suited for For first-time credit users who want a very cheap card to build a credit history, automate recurring bills, and pick up modest points on everyday and contactless spends.

AU SPONT is a UPI-first RuPay card that pays a flat 1% cashback — credited to your statement — on e-commerce, POS, contactless and UPI payments made through any UPI app, capped at ₹500 per statement cycle. UPI transactions through AU's own 0101 app separately earn "coins" redeemable at AU Rewardz (AU publishes no rupee value for them). It adds 2 complimentary railway lounge visits per quarter and, on ₹50,000 of previous-quarter spend, 2 domestic airport lounge visits per quarter, plus a 1% fuel surcharge waiver. The ₹299 fee has no published spend-based waiver.

Why it stands out Flat 1% cashback on e-comm, POS, contactless and UPI spends, capped ₹500 a cycle

Best suited for For UPI-heavy spenders who want a simple flat 1% back on everyday spends — including scan-and-pay — without tracking categories, and whose monthly spend sits under the ₹50,000 that exhausts the ₹500 cashback cap.

AU Tejas is an entry rewards-and-cashback card that leans on partner-merchant deals. It gives a flat 10% cashback on spends at partner brands across movies, grocery and food delivery, cab bookings and bill payments (subject to caps), earns 1 reward point per ₹100 on all other spends (5 points per ₹100 apply only to AU Rewardz portal bookings), and adds 500 bonus points for completing 5 transactions of ₹500+ in a statement cycle. It opens with 2,000 bonus points (or a ₹500 voucher) on activation and a 1% fuel surcharge waiver. The ₹500 fee waives on ₹1,50,000 of annual spend.

Why it stands out Flat 10% cashback at partner merchants plus reward points on everything else

Best suited for For younger, digital-first spenders who use partner apps (food delivery, cabs, movies, bill payments) enough to make the 10% partner cashback the headline benefit.

The Paytm AU Credit Card is a lifetime-free co-brand for people who live inside the Paytm app. It earns 2 reward points per ₹100 on Paytm Scan & Pay (UPI) for transactions between ₹100 and ₹2,000 (1 point per ₹100 above that), 5 points per ₹100 on Paytm Travel and Paytm Gold purchases, and 1 point per ₹100 on other online and in-store spends, with complimentary lounge access on bookings made through Paytm Travel. A point is worth ₹1 redeemed as Paytm Gold and ₹0.50 elsewhere. Being RuPay, it links to UPI so scan-and-pay becomes a rewarding everyday habit — at no annual fee.

Why it stands out A lifetime-free card that rewards spends inside the Paytm app, including UPI

Best suited for For heavy Paytm users who pay by Scan & Pay, book travel through Paytm, and want a zero-fee card that turns that in-app activity into rewards.

AU Kosmo is a lifetime-free RuPay card co-created with Kiwi, the UPI-on-credit app. Its pitch is earning Kiwi rewards on every UPI Scan & Pay transaction — turning everyday scan-and-pay into a rewarding habit — alongside a 1% fuel surcharge waiver (capped ₹100 per cycle). With no annual fee, it is aimed at younger, UPI-native spenders who transact mostly through Kiwi.

Why it stands out A lifetime-free RuPay card that earns Kiwi rewards on every UPI scan-and-pay

Best suited for For UPI-native users of the Kiwi app who want a zero-fee credit card that rewards scan-and-pay through the app they already use.

AU Xcite is AU Bank's entry card on the RuPay UPI network — and a quiet over-earner for its tier. It pays 15 reward points per ₹100 on dining, movies, grocery and departmental stores (≈3.75% at ₹0.25 a point), 3 points per ₹100 on other retail with 2X base points on spends made from the 1st to the 5th of each month, and 1 point per ₹100 on utility, telecom and insurance. The ₹249 fee waives on ₹1 lakh of annual spend.

Why it stands out 15 reward points per ₹100 on dining, movies, grocery and departmental stores at a ₹249 fee

Best suited for For entry-level spenders whose budget lives in dining, movies, grocery and departmental stores and who want an unusually strong category earn at a token fee — with UPI linkage as a bonus, not the point.

AU InstaPay is a lifetime-free, fully virtual RuPay credit card issued only to existing AU Small Finance Bank credit cardholders — AU's own FAQ states it is "exclusively available to our existing Credit cardholders at AU Small Finance Bank" (currently for a select base only). It shares its credit limit with your existing primary AU card but gets its own statement, and it is instant-issuance — activate it through the AU 0101 app, ChatBot, IVR or website with no physical card to wait for. Being RuPay, it links to UPI, and it pays 1% cashback on UPI transactions of ₹200 or more at departmental stores, dining, pharmacy and grocery/supermarkets, capped at ₹100 per statement cycle, plus a 1% fuel surcharge waiver. It is best understood as a UPI-spending companion to an existing AU card, not a route to a first card.

Why it stands out A lifetime-free virtual RuPay card for existing AU Bank credit cardholders — link it to UPI for 1% cashback, no physical card needed

Best suited for For existing AU Small Finance Bank credit cardholders who want a virtual, UPI-linked companion card for everyday scan-and-pay spending and a little cashback — not for applicants who don't already hold an AU card.