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Best AU Bank Credit Cards

Best AU Bank Credit Cards

Team Finology

Created on 13 Jul 2023

Wraps up in 5 Min

Read by 7k people

Updated on 13 Apr 2024

AU Small Finance Bank, initially established as AU Financiers in 1996, has evolved into a prominent Indian private sector bank. With a focus on serving low- and average-income individuals and small and medium enterprises, AU Small Finance Bank provides essential banking and financial services. Alongside its comprehensive range of services, AU Small Finance Bank offers a selection of exclusive credit cards.

We all know that finding the right credit card to match our specific needs and preferences can be a daunting task. Fortunately, AU Bank offers a range of exceptional credit cards with several benefits and features. This article will help you choose the best AU Bank Credit Card by exploring the available options, making it easier for you to select the ideal card that suits your requirements.

1. AU Bank LIT Credit Card

AU Bank LIT Credit Card

AU Bank LIT Credit Card (Live It Today) offers a remarkable credit card experience, allowing you to personalise it to match your preferences and requirements perfectly. Through the AU 0101 app, you have the flexibility to select from a wide range of features, including cashback, rewards, memberships, lounge access, and much more. What sets AU Bank LIT apart is its lifetime free credit card feature, enabling you to relish the multitude of benefits without any burdensome annual fees.

Travel Benefits	Four complimentary lounge access per 90 days (quarter).
Fuel Surcharge Waiver	1% surcharge waiver on fuel transactions between ₹400 and ₹5000
Cashback Benefits	Cashback of 5% three times within 90 days. Earn 1 Reward Point for every ₹100 spent in addition to 5% cashback on retail purchases. Minimum retail purchases of ₹7,500 and a 30-day cashback cap of ₹500 are required.
Entertainment Benefits	Free 3-Month Zee5, Amazon Prime, or Netflix membership.
Zero Liability Protection	Zero liability protection of the cardholder against fraudulent transactions in the event of loss or theft of the credit card up to ₹1,50,000 or your credit limit, whichever is lower.

Fees and Charges

Joining Fees	Free
Annual Fees	Free
Annual Percentage Rate	43.08%
Foreign Transaction Fees	3.49%

Eligibility

The applicant's age should be between 21 and 60 years.

2. AU Bank Vetta Credit Card

AU Bank Vetta Credit Card

The AU Vetta Credit Card is a premium credit card that encompasses an array of enticing benefits. With accelerated reward points, complimentary access to airport and railway lounges, round-the-clock global concierge services, comprehensive insurance cover for air accidents, personal accidents, purchase protection, and fraud liability, and much more, the AU Vetta Credit Card caters to discerning individuals seeking a top-tier credit card experience.

Features

Welcome Bonus	Get vouchers worth ₹2,000 on a minimum retail spend of ₹30,000 done within 60 days of card setup.
Lounge Benefits	1 complimentary domestic lounge access at eligible airports per quarter in a calendar year. 1 complimentary international lounge access per quarter using a priority pass. 2 complimentary lounge access per calendar quarter, using a VISA card at railway stations.
Milestone Benefits	Get 500 bonus reward points for every ₹50,000 spent on retail each calendar quarter and an extra 1,000 bonus reward points for every ₹1 lakh spent on retail each quarter. Get vouchers worth ₹1,000 for minimum retail purchases of ₹2.50 lakh made during a card anniversary year. The first-year annual fee is waived if retail spends worth ₹40,000 are made within 90 days of the card being set up. From the 2nd year onwards, the fee is waived if retail spends worth ₹1,50,000 are done in the previous card anniversary year.
Fuel Surcharge Waiver	A 1% surcharge waiver on fuel transactions between ₹400 and ₹5000.
Insurance Benefits	Air accident insurance: ₹50 lakh Purchase protection: ₹25,000 Credit shield cover: ₹5 lakh Other Travel-related covers: In the event of baggage loss, baggage delay, delay in ﬂight, loss of passport and plane hijack.
Reward Benefits	Get 2 reward points per ₹100 spent on retail at any merchant across categories. Get 4 reward points per ₹100 spent on grocery and departmental stores. Get 10 reward points per ₹100 spent on utility bills.

Fees and Charges

Joining Fees	₹2,999
Annual Fees	₹2,999
Annual Percentage Rate	41.88%
Foreign Transaction Fees	2.99%

Eligibility

The applicant should be between 21 and 60 years old and have a stable monthly income.

3. AU Bank Zenith Credit Card

AU Bank Zenith Credit Card is the most premium credit card offered by AU Bank, and the benefits provided by this card justify the hefty joining fees required to be paid. This credit card, offered by AU Small Finance Bank, is designed to complement and enhance your lifestyle with features such as vouchers of top brands, bonus reward points, lower cross-currency foreign markup fees, complimentary airport and railway lounge access, global concierge assistance, free insurance, and much more.

Features

Welcome Bonus	Vouchers worth ₹1,000 on 1st POS (Point of Sale) retail transaction. 10,000 bonus reward points on completing retail spending worth ₹1 lakh.
Lounge Benefits	4 complimentary domestic lounge access per calendar quarter using a VISA card. Get complimentary lounge access within and outside the country at 1,000+ airport lounges. 2 complimentary lounge access per calendar quarter, using a VISA card at railway stations.
Milestone Benefits	Vouchers worth ₹1,000 on a minimum ₹2 lakh retail spending per calendar quarter. Complimentary Epicure membership on a minimum of ₹8 lakh retail spends in a card anniversary year. The first-year annual fee is waived if retail spends worth ₹1,25,000 are made within 90 days of the card being set up. From the 2nd year onwards, the fee is waived if retail spends worth ₹5,00,000 are done in the previous card anniversary year.
Fuel Surcharge Waiver	1% fuel surcharge waiver for fuel transactions done across all fuel stations in the country.
Lower Foreign Mark-Up Fees	Lower cross-currency foreign markup fees of 1.99% are applicable on international transactions.
Reward Benefits	Earn 20 reward points per ₹100 spent on dining at standalone restaurants. Earn 10 reward points per ₹100 spent on international transactions, groceries, and departmental stores. Earn 5 reward points per ₹100 spent on all other merchant categories.
Insurance Benefits	Air accident insurance: ₹2 crore Purchase protection: ₹50,000 Credit shield cover: ₹15 lakh Other Travel-related covers: In the event of baggage loss, baggage delay, delay in ﬂight, loss of passport and plane hijack.
Zero Liability Cover	Zero liability protection of the cardholder against fraudulent transactions in the event of loss or theft of the credit card.
Other Benefits	Earn 2,500 bonus reward points on completing one retail transaction on your birthday.

Fees and Charges

Joining Fees	₹7,999
Annual Fees	₹7,999
Annual Percentage Rate	23.88%
Foreign Transaction Fees	1.99%

Eligibility

The applicant should be between 21 and 60 years old and have a stable monthly income.

Conclusion

Selecting the right credit card is an important decision in order to make the most out of your financial benefits and improve your lifestyle. AU Bank offers a wide range of credit cards designed to cater to different needs. Whether you are looking for a customised experience, luxury benefits, or convenient features, the AU Lit, AU Vetta, and AU Zenith credit cards have something for everyone. You can compare different credit cards and choose the best one for yourself by visiting Finology Select. Take your time to evaluate your preferences and requirements before selecting the ideal card that aligns with your financial goals and aspirations.

Best AU Bank Credit Cards

1. AU Bank LIT Credit Card

2. AU Bank Vetta Credit Card

3. AU Bank Zenith Credit Card

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