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Credit Cards

Presenting AU Credit Cards, a world of Limitless possibilities.

Our range of four new Credit Cards offer an amazing array of benefits to give you the ultimate consumer experience. From grocery shopping to international trips, you can enjoy a plethora of lifestyle privileges and compelling benefits with our Altura, Altura Plus, Vetta, and Zenith & Zenith+ Credit Cards. As we continue to challenge the banking industry's status quo, we ensure easy access to the perfect Credit Card to meet your requirements, whether you live in a bustling city or a remote location in India.

Credit Card Features and Benefits

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Exciting Cashback benefits
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Accelerated Reward Points
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Complimentary Device Insurance
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Amazing Milestone Benefits
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Multi-Rewards & Lifestyle benefits

Types of AU Credit Cards

Our uniquely curated Credit Cards offer you a world of privileges, rewards, and complimentary benefits. Browse through the extensive range of benefits offered by our cards and take your pick.

coupon
Balance Transfer
coupon
Low Interest
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cashback
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Reward Points
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Secured
Compare credit cards (0)

Credit Card Services

Set/Reset my PIN
To generate or change your Credit Card PIN for doing secure Chip + PIN transactions
Manage Features of LIT Credit Card
Activate, switch on/off features and track usage, cashback & rewards on LIT Credit Card
Enable/Disable transaction types
To enable or disable your Credit Card transaction types like Online, International, etc.
Block Lost/Stolen Card
To block your Lost or Stolen Credit Card immediately
Add-On Credit Card
Share your Credit Card benefits with your loved ones, through our Add-On Card offering.
Update Insurance Nominee
To update Nominee details for Insurance applicable on your Credit Card
Token Management Service
Manage Card tokens created while saving Credit Cards on different merchants.
Card Closure Request
To raise request for Credit Card Cancellation/Closure

Steps to Apply for an AU Credit Card Online

Applying for an AU Credit Card online is an easy and convenient process. Here are the steps:

Pick an AU Credit Card that meets your requirements

  • Click "Apply Now."
  • Complete the online application form with your personal, financial, and employment details.
  • Upload documents (proof of identity, address, and income).
  • Review the application.
  • Submit the application.
  • Get a confirmation message or email.
  • Be prepared for verification and approval.
  • After approval, receive your AU Credit Card at your registered address.
  • Activate your credit card with the mentioned instructions.

*Above steps are indicative; these might change based on card variant and as per AU credit card decision.

 

AU Credit Card Eligibility Criteria

Criteria

Details

Age

21 to 60 years old

Income

Minimum monthly income as specified by the bank

Employment

Both salaried and self-employed individuals

Residency

Must be Indian residents

Documentation

Valid proof of identity, address, and income

*Above steps are indicative

 

Things to Know Before Applying for an AU Credit Card

  • It is important to evaluate the annual membership fees, reward points and cashback offers to select the best card matching your lifestyle.
  • Go through the Credit Card MITC or Key Fact Statement for details of applicable fees and charges.
  • Pay your bills on time to help maintain a good credit score and prevent late fees.
  • Using more than 30% of your credit limit can negatively affect your credit score.
 

Types of Credit Cards

  • Standard Credit Cards:

Standard credit cards are commonly accepted and offer a credit limit for purchases. They may impose annual fees and interest, but they can provide benefits such as special offers from merchants.

  • Rewards Credit Cards:

Rewards credit cards allow you to earn cashback, points, or miles on your purchases. Ideal if you pay off your entire balance every month.

  • Travel Credit Cards:

Travel credit cards provide frequent travellers with airline miles, hotel points, and privileges like access to airport lounges.

  • Cashback Credit Cards:

Cashback credit cards offer cashback on purchases, typically with higher rewards for specialized categories such as groceries or restaurants.

  • Secured Credit Cards:

Secured Credit Cards require a Fixed Deposit (FD) with the bank. The credit limit is typically 80% of the FD amount. It is ideal for those who are new to credit or want to rebuild their credit history.

  • Business Credit Cards:

Business credit cards offer benefits geared to specific business needs, such as office supplies or travel.

 

Credit Card Dos and Don'ts

Dos:

  • Pay on time: Ensure timely payments to avoid late fees and maintain a good credit score.
  • Monitor your statements: Regularly check your statements for any unauthorized transactions or errors.
  • Use rewards wisely: Take advantage of cashback, points, and other rewards by using your card for planned purchases.
  • Keep utilization low: Aim to use less than 30% of your credit limit to maintain a healthy credit score.
  • Know your credit limit: Be aware of your credit limit to avoid over-limit fees and potential damage to your credit score.
  • Report lost/stolen cards immediately: Contact your bank immediately if your card is lost or stolen to prevent unauthorized usage.

Don'ts:

  • Miss payments: Avoid missing payments as it can lead to high-interest charges and damage your credit score.
  • Max out your card: Refrain from using your entire credit limit; high utilization can negatively affect your credit score.
  • Ignore terms and conditions: Understand the terms, including interest rates and fees, to avoid unexpected charges.
  • Take cash advances: Avoid cash advances due to high fees and interest rates.
  • Apply for multiple cards simultaneously: Multiple applications can lower your credit score and signal financial instability.
  • Share your card details: Keep your credit card information private to prevent fraud and unauthorized charges.

*Points mentioned are common across credit cards and are not specific to AU Credit Cards only.

Device Protection Plan

Never let the worry of repair cost come between you and your favourite devices ever again with a free device protection plan. Pay using your AU Credit Card and get 1 year screen damage protection for your mobile phones and tablets for FREE. Also, get free 1-year extended warranty cover on a range of white goods.

*TnC Apply

FAQs

Please visit our Credit Cards section to view features & benefits applicable on AU Credit Cards. Click here to have a look at Credit Card features.
Please note that the various Card benefits will be extended to eligible Cardholders as per below defined timelines.
 

Card Type

Benefit category

Type of Benefit

Period considered for calculation

Timelines for benefit extension to Eligible Cardholders

Altura

Product feature Cashback

1% & 2% Cashback

Statement cycle

In upcoming month's credit card statement

Milestone Benefit

Rs. 50 addnl. Cashback

Statement cycle

In upcoming month's credit card statement

Altura Plus

Product feature Cashback

1.5% Cashback

Statement cycle

In upcoming month's credit card statement

Product feature Reward Points

As per Card proposition

Statement cycle

In upcoming month's credit card statement.

Note that Reward Points posting in Card account takes upto 5 working days from date of transaction. Visit https://rewardz.aubank.in/ to view your Reward Points balance.

Milestone Benefit

500 Bonus Reward Points

Calendar month

In upcoming month's credit card statement post eligible calendar month end. SMS would be sent on credit of points in your card account.
(Example: Calendar month is January 1st to 31st)

Vetta

Product feature Reward Points

As per Card proposition

Statement cycle

In upcoming month's credit card statement.

Note that Reward Points posting in Card account takes upto 5 working days from date of transaction. Visit https://rewardz.aubank.in/ to view your Reward Points balance.

Birthday Benefit

1,000 Bonus Reward Points

Birthday date

In upcoming/subsequent month's credit card statement. SMS would be sent on credit of points in your card account.

Milestone Benefit

500 & 1,000 Bonus Reward Points

Calendar quarter

In upcoming month's credit card statement post eligible calendar quarter end. SMS would be sent on credit of points in your card account.
(Example: Calendar quarter is January 1st to March 31st)

Milestone Benefit 

Rs. 1,000 Vouchers

Card Anniversary Year

Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of spends condition achievement.

Zenith

Product feature Reward Points

As per Card proposition

Statement cycle

In upcoming month's credit card statement.

Note that Reward Points posting in Card account takes upto 5 working days from date of transaction. Visit https://rewardz.aubank.in/ to view your Reward Points balance.

Birthday Benefit

2,500 Bonus Reward Points

Birthday date

In upcoming/subsequent month's credit card statement. SMS would be sent on credit of points in your card account.

Milestone Benefit

Rs. 1,000 Vouchers

Calendar quarter

Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of calendar quarter completion.
(Example: Calendar quarter is January 1st to March 31st)

Milestone Benefit

Taj Epicure Membership

Card Anniversary Year

Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of spends condition achievement. For detailed terms & conditions of Epicure membership, click here
Zenith+ Product feature Reward Points As per Card proposition Statement cycle In upcoming month's credit card statement.
Note that Reward Points posting in Card account takes up to 5 working days from date of transaction. Visit https://rewardz.aubank.in/ to view your Reward Points balance.
Welcome Benefit Luxury Brand Vouchers/Reward Points worth INR. 5000 On card activation Benefit Communication to eligible cardholders would be sent through SMS/Email within 5 days of activating their Zenith+ credit card.
Milestone Benefit 1000 Reward Point Statement cycle In upcoming month's credit card statement post eligible statement cycle end. SMS would be sent on credit of points in your card account. (Example: Statement cycle is January 15th to February 15th)
Milestone Benefit Taj Epicure Membership Card Anniversary Year Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of spends condition achievement. For detailed terms & conditions of Epicure membership. Click here.
The benefits of brand vouchers/memberships can be claimed within 60 days of SMS/Email communication. Once claimed, validity of any specific voucher or membership is applicable as per brand’s terms & conditions. Read them carefully.
Fuel surcharge is the transaction charge levied on Fuel transactions done using Credit Card.
As per fuel surcharge waiver feature, 1% Fuel Surcharge is reversed on your Credit Card within the applicable limits.
Utility Bill Payments include payments done for your Electricity, Water, Gas, Telephone, DTH, Broadband, Prepaid/Postpaid mobile bills, etc. Please note that VISA defined Merchant Category Codes (MCC) are considered for giving card related benefits.
Please refer to below Merchant category code list for eligible card features.
Merchant Category Merchant Category Code
Fuel 5983, 5541, 5542, 5172
Grocery & Departmental Stores 5411, 5422, 5441, 5451, 5462, 5499, 5311, 5999, 5399
Dining 5811, 5812, 5813, 5814
Special categories  Utility (4812, 4814, 4899, 4900),  Insurance (5960 & 6300), Rent (6513) and Education & Govt. (8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950)

You must present your Priority Pass card, issued along with your Vetta/Zenith/Zenith+ Credit Card, at the lounge to get access. Please also note that charges of $27+taxes are applicable in below scenarios:

Note: Usage of Priority Pass within India is chargeable.

In the event of Cardholder cancelling or not renewing his/her AU Credit Card, the Priority Pass Membership ceases to exist for the Cardholder.
Priority Pass provides access to 1000+ lounges worldwide. For updated list, please refer to https://www.prioritypass.com/airport-lounges
Yes. In event of Lost/Stolen/Damaged Priority Pass Card, please call our Customer Care to get it blocked and request for a replacement. Immediate action is required in event of Lost/Stolen card, to avoid any misuse on the card.
No, Priority Pass access at participating lounges within India will be chargeable.
Yes, lounge access is subject to the Cardholder holding a valid ticket of travel on the same day in an airline flying out of the airport in which the lounge is present.
Yes. Concierge services are complimentary, however, any booking/third party expense is payable by the cardholder, as applicable.
AU Rewardz is AU Small Finance Bank’s Credit Card Loyalty Rewards Program that makes the banking experience a rewarding journey for Credit Card members by giving them Reward Points for transactions made using AU Credit Card. Under the AU Rewardz Program, the Credit Card member earns Reward Points for using his/her eligible AU Credit Card for shopping, dining, watching movies, paying bills, and more. Such accumulated Reward Points can be redeemed against a wide range of catalogue products and services such as e-gift cards, merchandise, travel tickets, movie tickets, recharges and more.

To view your Reward Points balance, to redeem your Reward Points or to see more details, please visit https://rewardz.aubank.in/
Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise. For Zenith+ Value of 1 Reward Point is INR 1.
Once the transaction is posted in your card account, the eligible Reward Points are credited within 5 working days. To check your latest Reward Points balance, please visit https://rewardz.aubank.in/
You can redeem your Reward Points as of last statement balance on our AU Rewardz site, where you can see your Redeemable Points. Minimum Reward Points required for redemption is 200 points. For Zenith+ Minimum Reward Points required for redemption is 1000 points.
You earn Reward Points or Cashback only for doing POS and Online retail transactions, excluding Cash Withdrawals and Fuel transactions.
Also note that any other transactions like Balance Transfer, EMI, Cash Withdrawals, Charges, etc. are not considered for accruing Cashback or Reward Points.
A nominal fees of INR 99 + GST will be levied on each successful redemption.
No, you can redeem it individually on a specific card.
Yes, the primary cardholder gets eligible cashback or Reward Points as per card feature, for transactions done on Add-on cards.
Reward Points are valid for 2 years from the specific statement month. Eg:- The Reward Points that you receive in the month of May 2021 statement, if not used, will expire in May 2023.
No, you cannot redeem your Reward Points once your Credit Card is closed in bank records.
You can call our Customer Care on 1800 1200 1500 between 9AM and 6PM from Monday to Saturday for any queries or email us at [email protected]
Your Accumulated Reward Points are transferred to the new card.
All features are valid for 90 days from the date they are activated. Feature fees for 90 days would be levied on the day customer opts in for the feature except in case of feature selected during application process, in which fee is levied from the date of Card issuance.
Click here to know more
Except in case of onboarding, all the features are valid for 90 days effective from the day they are activated. Each feature, however, will be designated as auto renewal and will be renewed after 90 days. Customers can disable auto renewal of any feature that has already been selected by visiting the AU 0101 Mobile Banking App. Once disabled, feature would not be renewed post 90 days of existing feature duration.
Pricing shown against each feature during the feature selection journey is applicable for 90 days. Feature fees for 90 days would be levied on the day customer opts for the feature and it will be billed in the upcoming statement. GST will be levied as applicable on the feature fee.
To know the T&C, Click here.
Cashback will be credited after 5 days of the 30-day ending period.
Customer will receive membership code instantly on activating the feature and it will be visible on AU 0101 App. Penalty charges will be applicable on not meeting the spends criteria, which is given below:
 
Category
Feature Name
Conditions (if any)
Memberships
Zee5 - 3 months
INR 5,000 to be spent in 90 days' period, otherwise penalty of INR 50 to be levied
Amazon Prime - 3 months
INR 10,000 to be spent in 90 days' period, otherwise penalty of INR 100 to be levied
Cult Fit - 3 months
INR 20,000 to be spent in 90 days' period, otherwise penalty of INR 200 to be levied
In case a cardholder does not clear the total amount due within the payment due date, interest free credit period will be lost, and interest may be levied from the date of transaction on the outstanding amount (adjusted for payments/refunds/reversed transactions as and when credited) and not on the total amount due. Further, late payment fee and other charges relating to delay in payment shall be levied only on the outstanding amount (adjusted for payments/refunds/reversed transactions as and when credited) after the payment due date and not on the total amount due.
It's advisable to make the payment at least three days before the Payment Due Date to ensure timely processing. It is crucial for the success of online transactions and the clearance of cheque payments at the bank's end.
If opting for an alternative payment mode, ensure the payment is completed at least 3 days in advance to avoid payment return charges due to insufficient balance.
The three-day buffer is critical for online transactions and cheque payments. It is considered when generating Auto Debit output against the chosen mandate.
Credit Card statements are sent to cardholders on Registered E-mail ID and Registered Mobile no. with a link to download it.
Please ensure that your email id is updated for your Credit Card, to receive e-statement on it. In case, you have not received your credit card statement for any month, please get in touch with our Customer Care team.
You will get your Credit Card statement within 3 working days after your statement generation date.
  • For AU Small Finance Bank Account holders
  • a)AU Small Finance Bank Account holders can payment through AU 0101 App/ NetBanking.
  • c)Payment can be made through Autopay facility, where basis the standing instruction given, funds can be automatically transferred from the Cardholder’s AU Small Fiance Bank account to the Cardholder’s Credit Card account on due date.
  • d) Payment can be made through AU Small Finance Bank Cheque, by handing it over to any of our branches. The instrument should be payable to AU Credit Card Number xxxx xxxx xxxx xxxx. Kindly ensure that it is deposited at least 3 working days before due date.
 
  • For Non- AU Small Finance Bank Account holders
  • f) Payment can be made through AU 0101/ NetBanking.
  • h) Payment can be made by dropping other bank cheque in AU Small Finance Bank branches. The instrument should be payable to AU Credit Card Number xxxx xxxx xxxx xxxx. Kindly ensure that it is deposited at least 5 working days before due date in case of Non-AU Small Finance Bank cheque.
Payment Due date is the last date by when the card dues should be credited into your card account. Please ensure to make timely Card due payment to avoid any late payment and interest charges. This date is communicated to cardholders in their monthly Credit card statement.
Total Amount Due – this is the overall amount due as on the statement date that you are required to pay on or before the payment due date, to avoid any interest charges. It includes your opening balance, new purchases, fees & charges if any, minus of your last payment or any other credits posted.

Minimum Amount Due - is the minimum amount due as of statement date that you are required to pay on or before the payment due date, to avoid late payment charges.
Note: Please refer Most Important Terms & Conditions for detailed list of charges and conditions applicable.
If the credit card bill payment is not received by payment due date, it would lead to:
• Levy of late payment fees and interest charges.
• A possible suspension of your card.
• Negative effects on your future financial credentials and a negative score at CIBIL.
Billing cycle – This is the period for which the statement is generated, that lies between two consecutive statement dates. The Credit Card bill reflects the transactions made during the billing cycle, charges levied, if any and any payment/credits.
Statement Generation date – It is the date on which the Credit Card statement is generated and the same is printed in your Credit Card statement.
Please write to us on [email protected] or call us at 1800 1200 1500 for assistance. To know your Outstanding amount on Credit Card, you can alternatively check our “AURO” chatbot service on website (under View Card information) or log into our NetBanking or Mobile Banking Application.
Please log into our NetBanking or Mobile Banking Application and visit Credit Cards section.
You can register or update the E-mail ID by logging into our NetBanking and Mobile Banking application or call our Customer Care for assistance.

You can block your card using the below mentioned channels/ways:

  1. AU 0101: Access “Block/Unblock Credit Card” option in Cards->Credit Card section and place the request for Blocking your card.
  2. ChatBot: Access “Block and Reissue Lost/Stolen Card” option in Credit Card services and place request for Blocking your card.
  3. IVR: Call 180012001500 and select the prompt “Report Lost or Stolen card” and follow the steps to place request for Blocking your card.
  4. Email: Directly email us at [email protected]/[email protected] (for Vetta, Zenith & Zenith+ customers) for placing the request to block your card.
  5. Website: Access “Block Lost/Stolen Card” option in Credit Cards section and place request for Blocking your card.
  6. SMS:
    1. Send SMS “TBLOCK<Space><Credit Card Last 4 digit><Space><Customer ID>” on 5676767 from registered mobile number to temporarily block your card.
    2. Send SMS “PBLOCK<Space><Credit Card Last 4 digit><Space><Customer ID>” on 5676767 from registered mobile number to permanently block your card.
Please call our Customer Care 1800 1200 1500 and place a request. Card Replacement charges of Rs.100 + taxes are applicable. For Zenith+ Card Replacement charges of Rs.2,500 + taxes are applicable.
In case you card was Lost/Stolen – The replaced card will have a new card number.

In case you card is Damaged – The replaced card will have the same card number as your old card.
Tax Saver, Non-callable, Third Party, Joint FD can’t be used for issuance of an FD based Credit Card.
Please follow any of the below steps:

• Visit our website www.aubank.in > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed.
• Visit our website www.aubank.in > use our Chatbot service "AURO" > Credit Card Services > Set my PIN and follow the steps as briefed.
• Call our Customer Care No. 1800 1200 1500 and Set your PIN on the IVR service.

Note - Credit Card PIN Generation will automatically activate your Credit Card.
Please follow any of the below steps:

• Visit our website www.aubank.in > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed.
• Visit our website www.aubank.in > use our Chatbot service "AURO" > Credit Card Services > Set my PIN and follow the steps as briefed.
• Log on to our NetBanking or Mobile Banking application > Visit 'Set my PIN' section and follow the steps as briefed.
• Call our Customer Care No. 1800 1200 1500 and Set your PIN on the IVR service.
Please follow any of the below steps:

• Visit our website www.aubank.in > Credit Cards section > Credit Card Services > Enable/Disable Transaction Types and follow the steps as briefed.
• Log on to our NetBanking or Mobile Banking application > Visit 'Manage Limits' section and follow the steps as briefed.
• Call our Customer Care No. 1800 1200 1500 and Enable or Disable Transaction Types on the IVR service.
You will receive SMS intimation on your approved Card Application and subsequently for Card dispatch and Card delivery. Card is delivered within 7 working days. For any assistance, call us on 1800 1200 1500.
Please call us on 1800 1200 1500.
This might happen due to multiple reasons:

1) You might have not enabled your Online/International/Contactless/POS transaction type. Please click here to enable it or enable it on our IVR number 1800 1200 1500.
2) You might have utilized the overall Credit Limit on your card, please regularize your card by making payment and you can again use the Card for transactions.
For any assistance, call us on 1800 1200 1500.

You can follow any of the steps below:

• Visit our website www.aubank.in > use our Chatbot service AURO > Credit Card services > Raise request through ‘Credit Card Closure’.
• Call our customer care no. 1800 1200 1500 and raise request for card closure.
• Raise card closure request by sending email at [email protected]/[email protected] (for Vetta & Zenith customers)

Card closure request will be accepted through the channels mentioned above only. Once request is received, it will be processed within 7 working days.

Our Digital Footprint

Manage your credit card efficiently through
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Download AU 0101 Online Banking
AU 0101 App
phone
Call Us on Toll free Number
1800 1200 1500
mail
Write to us
[email protected]
[email protected] (for Vetta, Zenith & Zenith+ customers)

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