AU Credit Card
AU Small Finance Bank Credit Card – Features, Eligibility & Terms.
AU Small Finance Bank offers a range of credit cards designed to suit diverse lifestyles—from everyday shopping to premium travel. Here’s a clean, professional content block ideal for website use, complete with eligibility criteria and terms & conditions.
AU Small Finance Bank Credit Cards Overview
AU Small Finance Bank credit cards combine convenience, rewards, and lifestyle benefits. Whether you're looking for cashback, travel perks, fuel savings, or lounge access, AU cards offer tailored solutions for salaried professionals, entrepreneurs, and frequent shoppers.
Eligibility Criteria
To apply for an AU Small Finance Bank credit card, applicants must meet the following:
| Criteria |
Details |
| Age |
21–60 years (salaried), 21–65 years (self-employed) |
| Income |
Minimum ?25,000/month (varies by card type) |
| Credit Score |
Preferably 750+; lower scores may qualify for entry-level cards |
| Employment |
Salaried or self-employed with stable income |
| Residential Status |
Must be a resident of India |
Required Documents
Applicants typically need to submit:
- PAN Card
- Aadhaar Card or valid address proof
- Income proof (salary slips, bank statements, ITR)
- Passport-size photograph
Key Terms & Conditions
Here are the general terms applicable to AU Small Finance Bank credit cards:
- Joining & Annual Fees: Varies by card; some cards offer first-year free or waiver on spending thresholds
- Interest Rate: Typically ranges from 3.49% to 3.99% per month on outstanding balances
- Billing Cycle: Monthly billing with up to 50 days interest-free period on purchases
- Late Payment Charges: ?100 to ?1300 depending on the outstanding amount
- Foreign Transaction Fee: Around 3.5% on international transactions
- Reward Points: Earned on eligible spends; redeemable for vouchers, merchandise, travel
- Cash Withdrawal: Permitted up to a certain limit; incurs interest from day one plus transaction fee
- Card Usage: Subject to RBI guidelines and merchant acceptance
- Dispute Resolution: Customers can raise disputes within 60 days of transaction date
Popular AU Credit Cards
- AU LIT Credit Card – Fully customizable benefits, zero joining fee
- AU Zenith Credit Card – Premium lifestyle card with lounge access and travel perks
- AU Vetta Credit Card – Ideal for high spenders with reward multipliers
- AU Altura & Altura Plus – Great for everyday shopping and fuel savings
Why Choose AU Small Finance Bank Credit Cards?
- Customizable benefits with the LIT card
- Contactless payments and secure transactions
- 24/7 customer support and mobile app access
- Exclusive offers on dining, travel, and shopping
How to Apply
You can apply online via the AU Small Finance Bank Credit Card Portal or through authorized partners. Pre-approved offers may be available for existing customers.
