AU Altura Credit Card

AU Altura Credit Card

A basic entry cashback card — 2% on groceries, departmental stores and utilities (capped ₹50/month), plus a fuel surcharge waiver — best understood as a credit-building starter, not a rewards engine. The one thing to correct before applying: it offers railway lounge access, not airport lounges. Take it for what it is, build your score, and upgrade later.

AU LIT Credit Card

India's most genuinely novel card — a fully modular, build-your-own-benefits product where you toggle features on and off each quarter via the AU 0101 app. For the engaged user who actively manages it, it extracts real, tailored value. For the set-and-forget majority, it quietly delivers one of the weakest default rates in the market. The 2024 devaluation shrank the menu it depends on. Get it only if you'll genuinely manage it.

AU Bank Xcite Credit Card

An entry-level card that quietly out-earns its tier — 15 reward points per ₹100 (≈3.75%) on dining, movies, departmental stores and groceries, plus 3 per ₹100 on other retail, all for a token ₹249 fee. The catch isn't the earn rate; it's AU's ₹0.25-per-point currency and thinner redemption catalogue, the fuel/wallet exclusions, railway-only lounges and the fact that it isn't lifetime-free. Strong everyday earner for someone who'll spend in its bonus categories.

AU Bank Vetta Credit Card

A competent mid-tier lifestyle card — 4X on groceries, quarterly milestone bonuses, a birthday bonus and lounge access — that does its job for existing AU customers without standing out against the big banks. The 2026 change putting lounge access behind a ₹50,000-quarterly-spend gate brings it in line with the market. Easy to recommend to AU customers; hard to recommend over the majors.

AU Altura Plus Credit Card

A ₹499 RuPay card that pays 1.5% cashback on offline retail (capped ₹100 per statement cycle) and 2X reward points (2 per ₹100) online, with a recurring 500-point monthly milestone for steady spenders. It's a sensible second rung above the entry Altura, not a rewards engine — and the one thing to get right before applying is that the lounge access is railway, not airport.

AU Tejas Credit Card

A deal-led entry card whose headline is flat 10% cashback at partner brands — movies, grocery and food delivery, cabs and bill payments — but only at those partners and only up to ₹250 a month. Off-partner spend drops to an ordinary points rate. The value is entirely a function of whether your apps match AU's partner list, so read that list and the caps before you apply.

AU Prathama Credit Card

A genuine ₹100 starter card built around one honest idea — rewarding the recurring payments and contactless spends of someone taking their first credit card. It earns modestly (1 point per ₹100 base, 2 points on contactless Tap & Pay and on spend above ₹5,000 a cycle), and hands out a one-time 500-point bonus per merchant when you first set up an auto-pay. Treat it as a credit-building tool, not a rewards engine: take it, build a repayment record, and upgrade when your spending grows.

AU SPONT Credit Card

A clean, no-fuss flat-cashback card built around UPI — 1% back, credited straight to your statement, on e-commerce, POS, contactless and scan-and-pay through any UPI app, capped at ₹500 per statement cycle. It won't out-earn a good category card, and the ₹299 fee has no published waiver — but for a UPI-first spender who doesn't want to track categories it's honest, low-friction value. Just know the airport-lounge perk is gated behind ₹50,000 of quarterly spend; railway lounges are not.

Paytm AU Credit Card

A lifetime-free RuPay co-brand built for people who already live inside the Paytm app — up to 2% on Paytm Scan & Pay (UPI), 5% on Paytm Travel and Paytm Gold, and a base rate on everything else. Its value tracks how much of your spending actually runs through Paytm. Off-app, the earn is ordinary, so treat it as a free companion to a primary card, not a replacement for one.

AU NOMO Credit Card

A secured card issued against a fixed deposit — so no income or credit history is needed — that still earns like an unsecured rewards card: 2 points per ₹100 on retail, a 500-point welcome and quarterly milestones. Its real standout is a rare 0.99% foreign-currency markup that even many premium cards can't match. At ₹199 (not lifetime-free), it's an unusually capable credit-builder — and because it is issued on Visa, that markup works wherever Visa is accepted abroad.

AU InstaPay Credit Card

A lifetime-free, fully virtual RuPay card that AU issues only to its own existing credit cardholders — it shares your primary AU card's limit and exists to give that relationship a UPI-linked face. It pays 1% cashback on UPI spends at everyday categories, capped at ₹100 a statement cycle, plus a fuel surcharge waiver. Judge it as a companion card, not a first card and not a rewards card: the ₹100 cap keeps the earning nominal by design.

AU Laksya Credit Card

A mid-tier everyday-and-family card that pays 5 reward points per ₹100 (~1.25%) on groceries, departmental stores and contactless spends — grocery/departmental capped at 1,000 points a cycle — with 8 domestic airport lounge visits a year (2 a quarter, unlocked by ₹50,000 previous-quarter spend) and buy-one-get-one movie tickets each month. Off-category retail earns 2 points per ₹100 (~0.5%). The ₹1,000 fee waives on ₹2,00,000 of annual spend, so it isn't free, but it's easy to justify for a grocery-heavy household.

Kotak, RBL and AU Small Finance Bank Credit Cards 2026: Spotlight Guide

Kotak, RBL Bank, and AU Small Finance Bank each offer distinctive credit card programmes that serve specific niches — from Kotak's 811 (entry digital) and White Reserve (ultra-premium) to RBL's travel-focused World Safari and AU's Zenith (premium for new-to-credit-segment banks).

AU Zenith Credit Card

The AU Zenith was a credible big-bank alternative — until the January 2026 devaluation gutted it. Base rewards cut to 3 RP, dining slashed 75%, and the quarterly voucher and Taj Epicure membership both deleted. AU's newer Zenith+ now costs ₹3,000 a year less (₹4,999 against ₹7,999) and is worth comparing. For a new applicant it's been devalued out of contention; only an existing AU customer whose spend fits the new structure should hold on.

AU Kosmo Credit Card

A lifetime-free RuPay card co-created with Kiwi, the UPI-on-credit app — its whole pitch is earning Kiwi rewards on every UPI scan-and-pay, with a small fuel-surcharge waiver alongside. If you already live in the Kiwi app there's no downside to holding it; if you don't, the app-tied, campaign-variable rewards make it a niche pick rather than a dependable category card.

AU Ananta Credit Card

A mid-tier rewards card that earns hard where most people actually spend: 5 reward points per ₹100 on shopping, dining and travel (~1.25% at ₹0.25 a point, capped at a shared 5,000 points a cycle), with an 8,000-point welcome that covers most of the first-year fee. Off those three categories the base is 2 points per ₹100 (~0.5%), and a four-step milestone ladder pays from ₹2.5 lakh of annual spend up to 50,000 bonus points at ₹10 lakh. The ₹2,000 fee waives on ₹3,00,000 of annual spend.

AU Xcite Ace Credit Card

A ₹749 RuPay cashback card that pays up to 3% through monthly milestones and adds quarterly domestic airport lounge access — a genuine step up from the railway-only base Xcite. The catch is that both the top cashback tier and the lounges are spend-gated: you need ₹20,000 a month to reach the full 3%, and ₹50,000 in the previous quarter to unlock the lounges. A clean, consistent-earner card for the steady spender; underwhelming for a light one.