Below are the four variants of AU Bank Credit Cards:

Card Name	Annual Fee	Best For
Zenith	Rs. 7,999 + applicable taxes	Retail & dining
Vetta	Rs. 2,999 + applicable taxes	Shopping & travel
Altura Plus	Rs. 499 + applicable taxes	Cashback & rewards
Altura	Rs. 199 + applicable taxes	Cashback & travel
LIT	Lifetime free	Cashback & rewards

Zenith Credit Card

AU Zenith credit card is the most premium credit card offered by AU Bank. It provides you with a range of benefits and the best offers.

Key Features:

• Vouchers of top brands worth Rs. 1,000 on the first POS retail transaction.
• 10,000 bonus reward points on completing retail spends of Rs. 1 Lakh.
• 20 reward points on spending per Rs. 100 on dining at standalone restaurants.
• 10 reward points on spending per Rs. 100 on international transactions, grocery & departmental stores.
• 5 reward points on spending per Rs. 100 across all other merchant categories.
• Vouchers of top brands worth Rs. 1,000 on retail spends of minimum of Rs. 2 Lakhs per calendar quarter. Choose your vouchers from a bouquet of top brands.
• Complimentary Epicure Membership on retail spends of minimum Rs. 8 Lakhs in a card anniversary year. 
• 2,500 bonus reward points on one retail transaction on your birthday.
• Lower cross-currency foreign mark-up fee of 1.99% on international transactions.
• This AU credit card offers 2 complimentary access per calendar quarter at all participating lounges with Priority Pass. 
• 4 complimentary lounge access per calendar quarter within India with VISA Card. 
• 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. 
• Airport and railway lounge bene?ts are also available to add-on AU Bank Zenith credit card members within the mentioned complimentary number of visits.
• 1% fuel surcharge waiver for fuel transactions up to Rs. 1,000 per statement cycle done across all fuel stations in India.
• Air Accident Cover of Rs. 2 Crores.
• Credit Shield up to Rs. 15 Lakhs.
• Purchase Protection up to Rs. 50,000.
• Convert transactions worth Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 
• Joining fee: Rs. 7,999 + applicable taxes. Waived of Rs. 1,25,000 retail spends done within 90 days of card set up.
• Annual fee: Rs. 7,999 + applicable taxes. Waived on Rs. 5,00,000 retail spends done in the previous card anniversary year.

AU Bank Vetta Credit Card

AU Vetta credit card offers premium privileges like multiple lifestyle benefits, accelerated reward points, 24x7 global concierge services, complimentary airport & railway lounge access, and so on.

Key Features:

• Vouchers of top brands worth Rs. 2,000 on minimum retail spends of Rs. 30,000 within 60 days of card setup.
• 4 reward points on spending per Rs. 100 on departmental stores, groceries, and utility bill payments.
• 2 reward points on spending per Rs. 100 across all other merchant categories.
• 1 reward point on spending per Rs. 100 on rent, insurance, education, and government categories.
• 500 bonus reward points on completing retail spends of Rs. 50,000 per calendar quarter.
• Additional 1,000 bonus reward points on Rs. 1 Lakh retail spends per calendar quarter.
• Rs. 1,000 worth of vouchers of top brands on minimum Rs. 2.50 Lakhs retail spends done in a card anniversary year. 
• This AUcredit card offers 1,000 bonus reward points on one retail transaction on your birthday.
• Pass. 
• 1 complimentary access per calendar quarter at all participating lounges with Priority Pass. 
• 1 complimentary lounge access per calendar quarter within India with VISA Card. 
• 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. 
• Airport and railway lounge bene?ts are also available to add-on AU Bank Vetta credit card members within the mentioned complimentary number of visits.
• 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle done across all fuel stations in India.
• Air Accident Cover of Rs. 50 Lakhs.
• Credit Shield up to Rs. 5 Lakhs.
• Purchase Protection up to Rs. 25,000.
• Convert transactions worth Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 
• Joining fee: Rs. 2,999 + applicable taxes. Waived of Rs. 40,000 retail spends done within 90 days of card set up.
• Annual fee: Rs. 2,999 + applicable taxes. Waived on Rs. 1,50,000 retail spends done in the previous card anniversary year.

AU Bank Altura Plus Credit Card

Altura Plus AU Small Finance Credit Card Offers numerous milestone gains, cashback, and reward points. With various ways to redeem reward points, you will get twice the luxury and double the delight.

Key Features:

• Vouchers of top brands worth Rs. 500 on minimum retail spends of Rs. 10,000 within 60 days of card setup.
• 1.5% cashback (maximum Rs. 100 per statement cycle) on all POS retail spends at merchant outlets. 
• 2X reward points on spending per Rs. 100 on all online retail transactions.
• 1 reward point on spending per Rs. 100 on utility, rent, insurance, education, and government categories.
• Get 500 bonus reward points on retail spending of Rs. 20,000 or more in a calendar month.
• This AU Bank credit card offers 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. This benefit is also available to add-on cardholders.
• 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle done across all fuel stations in India.
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank in an unfortunate event of loss of credit card.
• Convert transactions worth Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 
• Joining fee: Rs. 499 + applicable taxes. Waived of Rs. 20,000 retail spends done within 90 days of card set up.
• Annual fee: Rs. 499 + applicable taxes. Waived on Rs. 80,000 retail spends done in the previous card anniversary year.

AU Bank Altura Credit Card

Altura AU Small Credit Card is best suitable for your spending and comes with a wide variety of additional benefits, including cashback, railway lounge access, complimentary card liability cover, and so on.

Key Features:

• 5% cashback (maximum Rs. 150 per statement cycle) on minimum retail spends of Rs. 2,500 done within first 60 days of card setup.
• 2% cashback (maximum Rs. 50 per statement cycle) on all retail spend done at grocery/ departmental stores and utility bill payments. 
• 1% cashback (maximum Rs. 50 per statement cycle) on all other retail spends. 
• An additional cashback of Rs. 50 on minimum retail spends of Rs. 10,000 in every statement cycle.
• 2 complimentary lounge access per calendar quarter with VISA cards at railway stations in New Delhi, Kolkata (Sealdah), Ahmedabad, Jaipur, and Agra. This benefit is also available to add-on cardholders.
• 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle done across all fuel stations in India.
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank in an unfortunate event of loss of credit card.
• Convert transactions worth Rs. 2,000 or more into easy EMI options on the select tenure of your choice. 
• If you want AU Bank credit card apply online instantly. 
• Joining fee: Rs. 199 + applicable taxes. Waived of Rs. 10,000 retail spends done within 90 days of card set up.
• Annual fee: Rs. 199 + applicable taxes. Waived on Rs. 40,000 retail spends done in the previous card anniversary year.

AU Bank LIT Credit Card

The LIT credit card is India's first customizable credit card that gives you the freedom to build it just the way you like. You can select and change the features based on your lifestyle, switch features on/off, pay for the features you select or track and manage them on-the-go in real time. 

Key Features:

• 10X or 5X reward points on all online domestic and international retail transactions.
• 10X or 5X reward points on all POS and contactless offline domestic and international transactions.
• 1% fuel surcharge waiver on all transactions between Rs. 400 and Rs. 5,000.
• 5% cashback (3 times in 90 days) for retail spends (minimum Rs. 7,500) in addition to 1 reward point on spending per Rs. 100. Maximum cashback available is Rs. 500 in 30 days.
• Additional 2% (cashback 3 times in 90 days) for retail spends(minimum Rs. 10,000) in addition to 1 reward point on spending per Rs. 100. Maximum cashback available is Rs. 1,000 in 30 days.
• Additional 5% cashback (maximum Rs. 1,000 in each 30 days' period) for travel, dining, grocery, electronics, and apparel expenses in addition to 1 reward point on spending per Rs. 100. 
• Up to 4 airport lounges visits per 90 days across India.
• 3 month membership of:
  • ZEE5 with 2,800+ blockbusters, 150+ web series, Before TV, LIVE TV, watch ad-free content on mobile, Laptop, TV, and Eduaurra competitive learning exams.
  • Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, free in-game content, ad-free music, exclusive access to deals, etc.
  • Cult pass Live subscription for at-home live workouts.

• Card liability cover up to Rs. 1,50,000 or your credit limit, whichever is lower, in an event of credit card loss or fraudulent transactions made with card.
• Credit shield up to Rs. 1.5 Lakhs.
• Annual fee: This card is lifetime free and does not involve any charges.

To apply for any AU Bank credit card, you must meet the following AU Bank credit card eligibility criteria: 

• Primary cardholders must be aged between 21 and 60 years
• Add-on cardholders should be aged over 18 years.
• The applicant should be a resident Indian

The above criteria are only indicative. AU Bank reserves the right to approve or reject applications for the credit card.

Following are the fees and charges associated with AU Small Finance Bank credit cards:

• Cash advance fee: 2.5% (minimum Rs. 100).
• Charges on revolving credit: 3.49% per month (41.88% annually) for Vetta, 3.59% per month (43.08% annually) for LIT, Altura & Altura Plus, and 1.99% per month (23.88% annually) for Zenith. 
• Late payment charges: Rs. 0 to Rs. 1,100.
• Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
• Cheque, ECS/NACH, Autopay return charges: Rs. 500.
• Balance Transfer/BT on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
• Loan processing fee 1% (minimum Rs. 500). 
• Loan preclosure charge: 3% of the principal outstanding.
• EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI and Rs. 199 + GST for Instant EMI.
• Card validation charges (lounges): Rs. 2.
• Priority Pass lounge charges (Vetta & Zenith): $27 + taxes for all visits within India. 
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25.
• Foreign currency transactions: 3.49% for Altura, Altura Plus, and LIT, 2.99% for Vetta, and 1.99% for Zenith.
• Duplicated physical statement request charges: Rs. 100.
• Goods and Services Tax (GST): 18% applicable on all AU Small Bank credit card fees, interest & charges.

You can track the AU Bank credit card status to know if the bank has accepted or declined your application. You can viit the bank’s website https://www.aubank.in/check-your-sr and track the application by entering your application number or service request number. 
You can check also check your AU Bank Credit Card Application Status by calling the customer care at 1800 1200 1200 or writing to [email protected].

In case you have an AU Small Finance Bank account, AU Bank credit card bill payment can be made through Internet Banking, Mobile Banking or ATMs. You can also opt for a Standing Instruction facility such as Autopay, where funds can be transferred automatically from your AU Small Finance Bank account to the credit card account on the due date.  

If you are a Non-AU Small Finance Bank account holder, you can make the card payment through the Bill Desk facility with other banks’ Net Banking account or you can also make payment through NEFT fund transfer mode from other bank accounts (with IFSC code AUBL0CCARDS).

You can also drop payment instruments (Cheque or draft) into any of the AU Small Finance Bank Credit Card drop boxes placed in the AU Small Finance Bank branches. The said instrument should be payable to AU Small Finance Bank Credit Card Number. Make sure that it is deposited at least 3 working days prior to the due date in the case of an AU Small Finance Bank cheque and 5 working days prior to the due date in the case of a Non-AU Small Finance Bank cheque.

One more payment option is cash payments at the bank branches. 

You can contact AU Small Finance Bank Credit Card customer care team for any inquiries or grievance redressal through: 

• 24X7 hours call centre number: 1800 1200 1500 
• Email: [email protected] 
• Zenith and Vetta customers can send emails on: [email protected] 
• Mail: AU Small Finance Bank, Credit Card Division, Third Floor Hall C, Sunny Junction STC, New Atish Market, Jaipur, Rajasthan - 302020