AU Bank Credit Cards

AU Bank offers various credit cards based on spending habits and lifestyle. From the plethora of AU Bank credit cards, you can choose the one that is best suited for you. Here is the list of all AU Bank credit cards and their main features.

AU Small Finance Bank

We found 1 AU Small Finance Bank Credit Card

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AU LIT Credit Card
  • AU LIT Credit Card

    1st year fee

    :  

    ₹ 0

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Updated On - 07 Sep 2025
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Top AU Bank Credit Cards in India 2025

Key Features of AU Bank Credit Cards

  1. You get airport and lounge access with a few AU Bank credit cards
  2. There is no joining fee for the credit cards.
  3. The interest ranges between 1.99% p.m. and 3.49% p.m.
  4. These credit cards offer spend-based milestone benefits.
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AU Bank Credit Card Types & Features

AU Bank LIT Credit Card

Annual fee: Nil

Key Highlights of the AU Bank LIT Credit Card:

  1. Get 5X/10X reward points on making domestic and international transactions both online and offline.
  2. Get a 1% fuel surcharge waiver on spending between Rs.400 and Rs.5,000 on fuel.
  3. Get cashback of 5% for groceries, dining, and travel as well as 1 reward point for every Rs.100 you spend.
  4. Get up to four complimentary visits to airport lounges every year.
  5. Get 3 months of free membership for ZEE5, Cult.fit, and Amazon Prime.

AU Bank Zenith Credit Card

Annual fee: Rs.7,999.

Key Highlights of the AU Bank Zenith Credit Card:

  1. Earn 20 reward points for every Rs.100 you spend on dining.
  1. For every Rs.100 spent at retail outlets on groceries, department stores, and overseas transactions, you will receive 10 reward points.
  2. Five Reward Points for every Rs.100 spent in retail by other merchant categories.
  3. One reward point for every Rs.100 spent in retail on utilities, telecom, and insurance categories.
  4. Coupons of Rs.1,000 for a minimum of Rs.2 lakh spent in retail each quarter. Select your coupons from a variety of premium brands.
  5. Free Epicure Membership with a minimum purchase of Rs.8 lakh during the year of the card's anniversary.
  6. Get 4 complimentary domestic airport lounge visits every calendar quarter.
  7. Get air accident cover of Rs.2 crore.
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AU Bank Vetta Credit Card

Annual fee: Rs.2,999

Key Highlights of the AU Bank Vetta Credit Card:

  1. Get 1,000 reward points as a bonus when you make one transaction on your birthday.
  2. Every Rs.100 in retail spending on groceries and department stores earns 4 reward points.
  3. Two reward points for every Rs.100 spent at retail in all other merchant categories.
  4. One reward point for every Rs.100 spent in retail on utilities, telecom, and insurance categories.
  5. Get an extra 1,000 Bonus Reward Points upon attaining Rs.1 lakh in retail spends* per quarter, in addition to 500 Bonus Reward Points for every Rs.50,000 in retail spends* completed each quarter.
  6. Receive vouchers worth Rs.1,000 when you spend at least Rs.2.50 lakh at retail during your card's anniversary year. Select your coupons from a variety of premium brands.

AU Bank Altura Plus Credit Card

Annual fee: Rs.499

Key Highlights of the AU Bank Altura Plus Credit Card:

  1. Get 1.5% cashback on POS transactions at partner merchant outlets
  2. Get 2x reward points on online spends.
  3. Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
  4. Get 2 free railway lounge visits every calendar quarter in these cities:
    1. New Delhi
    2. Kolkata (Sealdah)
    3. Jaipur
    4. Ahmedabad
    5. Madurai
    6. Asansol
    7. Varanasi
    8. Durgapur

AU Bank Altura Credit Card

Annual fee: Rs.199

Key Highlights of the AU Bank Altura Credit Card:

  1. Get 2% cashback for spending on grocery, departmental stores, and utility bill payments.
  2. Get 1% fuel surcharge waiver when you spend between Rs.400 and Rs.5,000 on fuel.
  3. Get Rs.50 cashback when you complete a minimum transaction amount of Rs.10,000 in every cycle statement.

Fees and Charges of AU Bank Credit Cards

Type of charge

Fee

Outstanding amount

Late payment fee

Fee for an add-on card

NIL

Revolving credit charge

  1. Altura, Altura Plus - 3.75% per month (45% annually)
  2. Vetta - 3.75% per month (45% annually)
  3. Zenith - 1.99% per month (23.88% annually)
  4. LIT - 3.75% per month (45% annually)

Cash advance fee

2.5% of amount withdrawn, subject to a minimum of Rs.100

Limit for cash advance

  1. Altura, Altura Plus - 40% of the credit limit
  2. Vetta - 30% of the credit limit
  3. Zenith - 20% of the credit limit
  4. LIT - 20% of the credit limit

Minimum repayment amount

5% or minimum Rs.100

Overlimit charges

2.5% of overlimit amount, subject to a minimum of Rs.500

Fee for redeeming reward points

NIL

Cash processing fee

NIL

Fee for processing an outstation cheque

Rs. 25

Processing fee for balance transfer

  1. 1% of the balance transfer amount
  2. This fee is subject to a minimum amount of Rs.250

Credit card validation fee at lounges

Rs.2

EMI conversion fee

  1. 1% of the amount you convert into EMIs
  2. The EMI conversion fee is subject to a minimum of Rs.250

Charge for Priority Pass Lounge

$27 plus taxes per person for every visit

Foreign currency mark-up fee

  1. Altura, Altura Plus - 3.49%
  2. Vetta - 2.99%
  3. Zenith - 1.99%
  4. LIT - 3.49%

Fee for duplicate physical statement request

Rs.100

Fee for reissue of lost/damaged/stolen credit card

Rs.100

Goods and Services Tax (GST)

18%

Late Payment Charges

Outstanding amount and Fee:

Less than Rs.100: NIL

Rs.100 to Rs.500: Rs.100

Rs.501 to Rs.5,000: Rs.400

Rs.5,001 to Rs.20,000: Rs.500

More than Rs.20,000: Rs.700

Eligibility Criteria to Apply for AU Bank Credit Cards

  1. The add-on cardholder has to be more than 18 years old.
  2. As the primary cardholder, your age has to be between 21 years and 60 years.
  3. You have to be a resident of India to apply for the credit card.

How to Apply for an AU Bank Credit Card Online

  1. Step 1: Visit the bank website
  2. Step 2: Select the credit card you want.
  3. Step 3: Click on 'Apply Now'

AU Bank Credit Card Reward Points

You can redeem the reward points earned on the AU Bank credit cards for:

  1. Merchandise on the AU Bank catalogue
  2. E-vouchers of partner brands
  3. Flight ticket bookings
  4. Hotel room bookings
  5. Mobile/Direct-to-home (DTH) recharges

How to Close your AU Bank Credit Card

You can contact the AU Bank credit card customer care number and/or send a letter of written communication and ask the bank to close your credit card.

How to Contact AU Bank Credit Card Customer Care

  1. You can call the bank's customer care at 1800 1200 1500.
  2. You can also write to creditcard.priority@aubank.in or creditcard.support@aubank.in

FAQs on AU Bank Credit Cards

  • How do I reach the AU Bank concierge desk?

    You can reach the AU Bank concierge desk by calling the toll-free number, 18002100298. You can also call 022-42320298 to reach the concierge desk.

  • What is the foreign currency mark-up fee for the AU bank credit cards?

    Altura, Altura Plus - 3.49%, Vetta - 2.99%, Zenith - 1.99%, and LIT - 3.49%

  • How old should the add-on credit cardholder be?

    The add-on cardholder has to be more than 18 years old.

  • Which e-mail ID can I write to for queries regarding the AU Bank credit cards?

    You can write to creditcard.priority@aubank.in and clarify your doubts on the AU Bank credit cards.

  • How much GST will be applicable on an AU Altara Plus Credit Card?

    18% GST will be levied on fees and other charges on an AU Altara Plus Credit Card.

  • What is the joining fee of the AU Bank Zenith Credit Card?

    There is no joining fee for AU Bank Zenith Credit Card.

  • What is the maximum limit for AU Bank credit cards?

    On AU credit cards, there is no set limit. It is determined by the applicant's income and CIBIL score. Individuals with a high income and a high CIBIL Score are more likely to be given a large credit limit. To secure fast approval for the AU Bank Credit Cards, the applicant must have a CIBIL Score of 750 or higher.

  • What is the minimum and the maximum age limit to avail an AU Bank Credit Card?

    To avail an AU Bank Credit Card, the applicant should be under the age limit between 21 years to 60 years.

  • What are the documents required to avail an AU Bank Credit Card?

    To apply for a credit card from AU Bank, you have to submit several documents like Permanent Account Number (PAN) card, Aadhar card, passport, driving licence, Voter ID, electricity bill, last six months' salary slips, Income Tax Returns (ITR) of last two years, and birth certificate.

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