AU Bank Credit Cards – Power Your Lifestyle, Your Way
Explore the Full Range of AU Bank Credit Cards in India
AU Small Finance Bank offers a dynamic range of credit cards catering to different spending habits, income brackets, and lifestyle preferences. Whether you’re a frequent traveler, cashback enthusiast, digital-first user, or a business owner, AU Bank has a credit card designed to align with your needs.
At CardMela.com, we’ve curated the best AU Bank Credit Cards with a focus on transparent benefits, real savings, and practical usage — all with 100% clarity on fees, rewards, and eligibility.
Enjoy more than just spending — AU cards come packed with real value
From customizable features to UPI-based payments, and lounge access to high-value cashback, AU Bank cards are built to empower smart Indian consumers.
Explore top cards like AU Bank Altura, Altura Plus, Zenith, Vetta, Instapay, Xcite, Xcite Ultra, and AU Bank Business Credit Card — each tuned for different spending profiles.
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
AU Bank Zenith Credit Card
★★★★☆ (4/5)
*Waiver on spends over ₹50,000/year
Benefits:
Up to 5% Cashback
₹1,000 Welcome Bonus
₹500 Fuel Waiver/month
Lounge Access
Dining Discounts
₹999 Annual Fee (waived*)
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹999 Annual Fee (waived*), ₹500 Late Fee approx.
AU Bank Business Credit Card
★★★★☆ (4/5)
★★★☆☆ (3.8/5)
*Designed for entrepreneurs and small business owners
Benefits:
Up to 2% Cashback on business spends
₹500 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹200/month
Free Add-on Cards
RuPay Offers & UPI Credit Card Compatibility
Eligibility:
₹25,000/month income, Self-employed or Business Owners, Credit Score 700+
Fees:
₹499 Annual Fee (waived on ₹40,000 annual spend), ₹500 Late Payment Fee approx.
AU Bank Vetta Credit Card
★★★★☆ (4.2/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
4 Complimentary Airport Lounge Access/Quarter (Domestic & International)
₹2,000 Worth Welcome Vouchers
Milestone Benefits up to ₹10,000/year
Buy 1 Get 1 Movie Offer (up to ₹250/month)
Fuel Surcharge Waiver up to ₹250/month
Eligibility:
Minimum ₹50,000/month income
Recommended Credit Score 750+
Fees:
₹2,999 Annual Fee (waived on ₹1.5 lakh annual spend)
₹2,999 Joining Fee (waived on ₹40,000 spend in 90 days)
Late Payment Fee up to ₹700 approx
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
AU Bank Altura + Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
2% Cashback on all spends (up to ₹5,000/month)
₹2,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500/month
Complimentary Airport Lounge Access (4 per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹30,000/month income
Recommended Credit Score 750+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee ₹500 approx
AU Bank Instapay Credit Card
★★★★☆ (4.5/5)
Ideal for digital payment enthusiasts and frequent UPI users
Benefits:
1% Cashback on UPI transactions (maximum ₹100 per billing cycle)
1% Fuel Surcharge Waiver on transactions ₹400–₹5,000 (maximum ₹100 per billing cycle)
Lifetime Free Card (No Joining Fee, No Annual Fee)
Contactless & Secure Payments
Instant UPI Payments through linked UPI apps
Easy linking with Google Pay, PhonePe, and Paytm
Eligibility:
Age 18-70 years, Minimum ₹1,00,000 annual income, Credit Score 750+, India resident, existing AU Bank customers
Fees:
No Joining or Annual Fee, Late Payment Fee ₹150–₹1,000 based on balance
AU Bank Xcite Ace Credit Card
★★★★☆ (4/5)
Ideal for moderate spenders seeking cashback and lifestyle perks
Benefits:
3% Cashback above ₹20,000 spends/month (max ₹750)
4 complimentary lounge visits (domestic airports & railways) quarterly
Fuel surcharge waiver ₹400–₹5,000 (max ₹200/month)
1-year device protection and up to 30% dining discount
Eligibility:
₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,000
AU Bank Xcite Ultra Credit Card
★★★★☆ (4.5/5)
Ideal for high spenders seeking maximum rewards and travel benefits
Benefits:
Up to 3% rewards on international spends (12 RP/₹100)
2 complimentary domestic airport lounge visits per quarter
2 complimentary railway lounge visits per quarter
1% fuel surcharge waiver on transactions ₹400–₹5,000 (max ₹200/month)
500 bonus RP on ₹5,000+ retail spends between 1st–5th of month
5,000 bonus RP on ₹2.5L annual retail spend
Eligibility:
Minimum ₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,300 based on outstanding balance
EEmpower More, Spend Smarter – Your Ultimate Guide to AU Bank Credit Cards in India
Looking for a credit card that matches your lifestyle, spending habits, and digital preferences? AU Bank Credit Cards are built for India’s new-age consumers — from salaried professionals and digital-first users to entrepreneurs and high spenders.
At CardMela.com, we help you explore, compare, and apply for the best AU Bank credit cards in India — based on your income, usage patterns, and benefit preferences. Whether it’s travel, cashback, fuel savings, or UPI-based payments, AU Bank has a card designed to deliver real value.
Why Choose an AU Bank Credit Card?
A credit card from AU Bank is not just a mode of payment — it’s a tool to earn more, manage smarter, and enjoy better financial freedom. Here’s why thousands of Indian users are switching to AU Bank credit cards:
Lifestyle Customization
Choose and switch benefits in real-time using the AU 0101 app — whether you want cashback, OTT subscriptions, fuel waivers, or lounge access.
Zero to Low Annual Fees
Many AU Bank cards come with zero joining/annual fees, or offer waivers based on achievable spend milestones — reducing long-term cost of ownership.
Modern Digital Usage
AU is one of the few banks offering full UPI Credit Card compatibility, letting users pay directly via apps like PhonePe, Google Pay, or Paytm.
Lounge Access & Travel Perks
From complimentary lounge visits to milestone travel rewards, AU cards cater to business and personal travelers alike.
Cashback & Rewards on Essentials
Earn cashback on groceries, fuel, online shopping, dining, and even UPI transactions — ideal for daily, recurring spends.
100% Digital Experience
From application to activation, card controls to spend analysis — everything is managed via AU’s user-friendly mobile app.
Who Should Consider AU Bank Credit Cards?
- Salaried professionals looking for everyday cashback
- Freelancers or business owners needing flexible usage & rewards
- High-income users seeking travel perks and milestone rewards
- First-time credit card users wanting lifetime free cards
- Digital-first consumers preferring UPI or contactless payments
- Urban millennials and families wanting lounge access, offers & control
AU Bank Credit Card Highlights at a Glance
- Cards available across all income levels (₹20,000/month onwards)
- Compatible with RuPay UPI for digital payments
- Fuel surcharge waivers across multiple categories
- Spend-based annual fee waivers for most cards
- Airport and railway lounge access on select cards
- Real-time benefit switching via AU 0101 app
- Free add-on cards on select variants
- Lifetime free card options with zero hidden fees
Why Choose CardMela.com?
We’re not just a listing site — CardMela.com is your unbiased guide to choosing the right credit card. For AU Bank cards and beyond, we offer:
- 100% transparent card comparison
- No spam, no telecalling
- Direct bank application links
- Expert-written guides on card usage
- Filter tools based on income, usage, and benefit type
- SEO-optimized, mobile-friendly interface
Final Word
If you’re looking for a modern, no-nonsense credit card experience — AU Bank’s portfolio offers simplicity, control, and rewards in one package. From zero-fee options to travel-centric cards and UPI-ready features, there’s something for every Indian spender.
Explore your options at CardMela.com, compare benefits clearly, and apply online. No agents. No pressure. Just smarter financial choices, the way it should be.