AU Small Finance Bank Credit Cards – Apply Online

AU Small Finance Bank is an Indian private sector bank founded in 1996. The bank has branches across 21 states and three union territories in India, with over 30,000 employees. With a customer base of lakhs of people across the country, the AU Small Finance Bank has the maximum number of branches in Rajasthan, its home state.

Along with all its outstanding services, it offers several exclusive credit cards in different categories. Very soon after starting its banking and card services, the AU Bank became a major card issuer in the country and is now trusted by thousands of individuals. As of March 2025, AU Bank has more than 10 lakh active and outstanding credit cards in the country. This is still a considerable achievement as AU Bank only issues one credit card per customer. AU Bank also has a great initiative to offer upgraded credit cards not only to AU Bank customers but to others as well. The card issuer has also launched the SwipeUp platform, where you can get upgraded credit cards with a better credit limit, better rewards, and more benefits. Further in this article, we will discuss in detail the credit cards that AU Bank has issued, and then you can find the best one for yourself:

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Why Choose AU Bank Credit Cards?

Before choosing any credit card, it is important to check for hidden charges, the amount of cashback available, and, for travellers, whether lounge access is available at the airport.

For example, if you take a lot of international flights, then the AU Zenith+ Credit Card is the best option for you.

Similarly, for Online shopping, the AU Bank LIT Credit Card is the best shopping card from AU Bank, and around 30% of AU cards are LIT cards. There are more cards listed down with benefits and perks that apply to them by checking in detail. AU Bank offers several Lifetime Free Credit Cards.

Best Card for 15k Salary – AU LIT Credit Card

Entry-Level Cards: Easy Cashback & Low Fees

Perfect for beginners, students, light spenders, or those with ₹15,000-₹30,000 in monthly income, building credit history through everyday purchases of groceries, utilities, online platforms, and fuel.

These cards feature minimal fees (often lifetime free or ₹199-₹499 + GST, waivable on (₹1-2 lakh annual spends) and straightforward cashback without complex milestones.

AU LIT Credit Card

Fee: Lifetime Free (no joining or annual fee)
Rewards: 10X points on online/offline spends, 5% cashback on select categories post milestone
Welcome: Bonus cashback and milestone rewards
Extras: 1 complimentary lounge visit per quarter, 1% fuel surcharge waiver (₹400-₹5,000), ability to choose benefits every 90 days
Best for: Versatile users spending ₹2 lakh annually (up to ₹10,000 annual value)

AU Nomo Credit Card

Fees: ₹499 + GST (waived on sufficient spends)
Rewards: 2 points per ₹100 retail spends, 1 point on utilities/insurance (excludes fuel/rent/govt)
Welcome: Activation rewards
Extras: 2 domestic airport lounges per quarter (₹20k spend required), 2 railway lounge visits per quarter
Best for: Moderate travellers

AU InstaPay Credit Card

Fee: Lifetime Free card
Rewards: 1% cashback on UPI spends, 48-day interest-free credit Zero additional fees after pay on time
Welcome Benefits: Instant virtual card benefits
Other Benefits: Seamless UPI/QR payments, 1% fuel surcharge waiver
Specially for: Digital payments and app-based spending

Brand Compatibility

Brand Compatibility	Credit Card
Online/UPI	⭐AU Bank LIT Credit Card ⭐AU Nomo Credit Card
Lounge/Railway	⭐AU Nomo Credit Card
Versatile/Custom	⭐Au Bank Instapay Credit Card
Fuel/Utilities	⭐AU Bank Altura Credit Card ⭐AU Bank Altura Plus Credit Card ⭐AU Bank LIT Credit Card

Mid-Tier Cards: Balanced Rewards & Lounges

Designed for professionals with ₹40,000-₹75,000 monthly salaries seeking travel perks, higher points multipliers, and lifestyle discounts without exorbitant fees (₹199-₹999 + GST, waivable on ₹1.5-3 lakh spends). These deliver 2-4% effective returns via milestones and quarterly lounges.

AU Altura Credit Card

Fee: ₹199 + GST that will waived off after spending
Rewards:
- 2% cashback on groceries, departmental stores and utilities
- 1% cashback on other spends
- 5% welcome cashback on ₹2,500 spend
Perks: Lounge access, fuel surcharge waiver, shopping discounts
Extras: Milestone benefits; annual value ₹12,000-₹18,000
Best for: Balanced users focused on groceries and offline spends

AU Altura Plus Credit Card

Fee: ₹499 + GST (waived on ₹20,000 spend within 90 days)
Rewards:
- 1.5% cashback on POS retail spends (up to ₹100 cashback per billing cycle)
- 2X reward points on online spends (unlimited)
Perks: ₹500 vouchers on ₹10,000 spend
Extras: No fuel rewards; strong cashback for combined online and offline shopping
Best for: Users needing good returns on mixed online and offline retail

Premium & Super-Premium Cards: Elite Travel & Luxury

Tailored for high-earners (₹1 lakh+ monthly) and frequent flyers, featuring unlimited perks, low forex (3.49%), and high multipliers for 3-5% returns on travel. Fees ₹999-₹2,999 + GST, waivable on ₹3-10 lakh+ spends.

AU Zenith+ Credit Card

Fee: ₹2,999 + GST (waived on high spends)
Rewards: Accelerated reward points with lifestyle-focused benefits
Perks:
- 16 international airport lounge visits/year (Priority Pass, max 4 per quarter)
- 16 domestic lounge visits/year
Extras: Complimentary movie passes and premium metal card privileges
Best for: Frequent international and domestic travelers seeking luxury perks

AU Vetta Credit Card

Fee: Premium fee (waived on high spends)
Rewards:
- 4 points per ₹100 spent on groceries and departmental stores
- 2 points per ₹100 on other retail
- 1 point per ₹100 on utilities
- 1,500 bonus points per quarter on ₹1 lakh spend
Perks:
- 1 complimentary domestic lounge visit per quarter
- 2 complimentary railway lounge visits per quarter
- ₹1,000 vouchers on ₹2.5 lakh annual spends
Extras: Birthday bonus points, golf and spa privileges
Best for: Premium users who want robust rewards on essentials and lifestyle benefits

Rewards & Redemption Overview

AU reward points are worth ₹0.25 to ₹1 each, with higher value when redeemed for travel.
Points can be redeemed for cashback, statement credit, airline tickets, hotel stays, and vouchers.
Premium cards like Zenith+ and Vetta can yield 3-5% returns on travel spends, while entry-level cards generally offer 1-2%.
Rewards are trackable via AU Bank’s mobile app, with customisation options available on the AU LIT Credit Card.

AU Bank Credit Card Fees & Charges

Understanding AU Bank card fees helps you make informed decisions:

Credit Card	Joining Fee	Annual Fee	Spend for Fee Waiver
LIT	Nil	Nil	N/A
Altura	₹499 + GST	₹499 + GST	₹1,00,000
Altura Plus	₹999 + GST	₹999 + GST	₹2,00,000
Zenith	₹2,999 + GST	₹2,999 + GST	₹3,00,000
Zenith+	₹4,999 + GST	₹4,999 + GST	₹5,00,000
Vetta	₹10,000 + GST	₹10,000 + GST	N/A

Eligibility & Documents

Age: 21-60 salaried, up to 65 self-employed.

Income: ₹15k+ entry; ₹40k+ mid; ₹1L+ premium.

Credit Score: 750+.

Docs: PAN, Aadhaar, salary slips/ITR, address proof.

Conclusion

AU Bank offers a variety of cards for different categories. For example, a beginner with credit cards and a salary between 15k and 25k. Banks usually do not grant them a good credit limit, but in Australia, people are more likely to receive a good credit limit, and approval chances increase.

You should apply for an AU Small Finance Bank Credit Cards that matches your shopping habits and spending patterns. Carefully review all the cards mentioned above, and apply only after checking all the details. The link provided above will take you directly to the bank’s website, where you can apply.

FAQ

Which Au credit card is best for online shopping?

For Online shopping, the AU Bank LIT Credit Card is the best, and the best part is that this is a lifetime free card. This is the best shopping card of AU Bank, and around 30% of AU cards are LIT cards.

Can I get an SBI credit card with a salary under ₹20,000?

Yes, entry-level cards like AU Bank LIT Credit Card can be easily approved on salary in between ₹15,000-₹20,000 Rs.

What is the name of the app to manage my AU Credit card?

AU 0101 is the app used for managing Au credit card. You can pay your outstanding balance, check your reward points, and manage your card.

Do I need an account with AU Small Finance Bank to apply?

No, you don’t need an Au account to apply for an Au credit card; just check eligibility above.

How long does approval take for Au credit Card?

If your document is verified and the system shows your approval, you will receive a digital and a physical card, delivered within 7-10 days.