AU Small Finance Bank Credit Card

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AU Small Finance Bank, a prominent player in India's financial sector, offers a diverse range of credit cards tailored to meet various customer needs. These cards come with attractive benefits, including rewards, lifestyle privileges, and interest-free periods.

Best AU Small Finance Bank Credit Cards

AU Small Finance Bank provides several credit card options catering to different spending habits and financial needs. Here are some of the best Credit Cards:

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How to Apply for an AU Small Finance Bank Credit Card Online at MybankingTips

Applying for an AU Small Finance Bank credit card is a straightforward process. You can apply directly through the AU Small Finance Bank website. Here's a step-by-step guide:

  1. Visit the Website: Go to the official AU Small Finance Bank website.
  2. Explore Credit Card Options: Browse through the various credit card offerings to choose the card that suits best to your needs.
  3. Click 'Apply Now': Once choosing the card, click on the 'Apply Now' button.
  4. Fill in Your Details: Complete the application form by filling your personal and financial details.
  5. Submit Your Application: After checking all the details, submit the application form.
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Eligibility Criteria

To be eligible for an AU Small Finance Bank credit card, applicants must meet the following criteria:

  • Age: For salaried individuals, the age range is 21 to 60 years; for self-employed individuals, it is 25 to 65 years.
  • Income: Salaried applicants should have a minimum gross monthly salary of ₹30,000, while self-employed individuals should have a minimum annual income of ₹5 lakh as per their Income Tax Return (ITR).
  • Credit Score: A good credit score (preferably 720 or above) enhances your chances of approval.

Documents Required for AU Small Finance Bank Credit Cards

Applicants need to provide the following documents:

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter ID, or Driver’s License.
Proof of Address Aadhaar Card, Passport, Driver’s License, Utility Bill (not older than 3 months), or Ration Card.
Proof of Income Latest salary slips (not older than 3 months) for salaried individuals; latest ITR for self-employed individuals.

AU Small Finance Bank Credit Card: Fee & Charges

The fees and charges for AU Small Finance Bank credit cards vary depending on the card type. Here is a general overview:

  • Annual Fee: It Ranges from ₹499 to ₹7,999, depending on the card you choose.
  • Finance Charges: The bank charges the interest of Up to 3.49% per month (41.88% per annum) on the outstanding amount.
  • Late Payment Charges:
    • Up to ₹100 – Nil
    • ₹101 to ₹500 – ₹100
    • ₹501 to ₹5,000 – ₹500
    • ₹5,001 to ₹10,000 – ₹750
    • Above ₹10,000 – ₹1,000
Suggested Read : Check 25 Best Credit Cards in India in February 2025 and find the right card as per your spending habits.

AU Small Finance Bank Credit Card Features & Benefits

AU Small Finance Bank credit cards come with a variety of features and benefits to enhance the cardholder's experience:

1. Welcome Benefits

  • New cardholders receive welcome offers such as bonus reward points or complimentary gift vouchers upon payment of the joining fee.

2. Reward Points and Cashback

  • Cardholders also earn reward points on various spending categories, which can be redeemed for merchandise, vouchers, or statement credit. Some cards also offer cashback on specific purchases.

3. Travel Benefits

  • You alos get complimentary airport lounge access, discounts on hotel bookings, and travel insurance coverage.

4. Lifestyle Privileges

  • Access exclusive dining offers, entertainment deals, and wellness benefits at partner establishments.

5. Fuel Surcharge Waiver

  • The cardholder can also avail of fuel surcharge waivers across India at designated fuel stations.

6. Contactless Payments

  • This allows the cardholders to pay the money by simply tapping without the need for the PIN or handing the card. It is a very quick and secure transaction.

Features of the Top AU Small Finance Bank Credit Cards in India

1. AU Zenith Credit Card

  • Reward Points: With this credit card you earn 20 Reward Points per ₹100 spent on dining at standalone restaurants, 10 Reward Points per ₹100 on international transactions, groceries, and departmental stores, and 5 Reward Points per ₹100 on other retail spend.
  • Travel Benefits: Complimentary airport lounge access and 24/7 concierge services can also make your air travel much more rewarding.
  • Annual Fee: This card comes with the annual fee of ₹7,999.

2. AU Vetta Credit Card

  • Reward Points: Accelerated reward points on various spending categories.
  • Lifestyle Benefits: Multiple lifestyle privileges, including complimentary lounge access at airports and railways.
  • Annual Fee: The bank charges a annual fee of ₹2,999.

3. AU LIT Credit Card

  • Customization: India’s first customizable credit card, allowing users to select and switch features based on lifestyle needs.
  • Cashback and Rewards: Earn 5% cashback on travel, dining, and grocery expenses, in addition to 1 Reward Point per ₹100 spent.
  • Annual Fee: This credit card has a annual fee of ₹499.

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How to Activate Your AU Small Finance Bank Credit Card

  1. Through Net Bank:
    • Log in to your AU Small Finance Bank Net banking account.
    • Navigate to the 'Credit Cards' section.
    • Select 'Set/Reset PIN' and follow the instructions to set your 4-digit PIN.
  2. Tough Mobile Banking:
    • Open the AU 0101 App and log in.
    • Go to 'Credit Card Services'.
    • Choose 'Set/Reset PIN' and proceed as directed.
  3. Through Customer Care:
    • You can call AU Small Finance Bank’s customer care at 1800 1200 1200.
    • Request assistance to set or reset your credit card PIN.

Setting the PIN will activate your credit card, enabling transactions at merchant outlets and ATMs.

How to Pay AU Small Finance Bank Credit Card Bills:

  • For AU Small Finance Bank Account Holders:
    • Net Banking: Cardholders can log in to their AU Small Finance Bank Net Banking account and pay directly.
    • Mobile Banking: The AU 0101 App is also very convenient for making credit card payments.
    • Auto-Debit: Set up automatic payments to never miss a credit card payment.
  • For Non-AU Small Finance Bank Account Holders:
    • NEFT/IMPS: Transfer funds using the IFSC code AUBL0000001.
    • BillDesk: Use the BillDesk platform to pay your credit card bill.

How to Redeem AU Small Finance Bank Credit Card Reward Points

Online Redemption:

  • Visit the AU Rewardz portal.
  • Log in with your credentials.
  • Browse the rewards catalog and select your desired items.
  • Add to the cart and proceed to checkout to redeem your points.

Offline Redemption:

  • Call AU Small Finance Bank customer care at 1800 1200 1200.
  • Request to redeem your reward points.

You can redeem reward points for various options, including merchandise, vouchers, and bill payments.

AU Small Finance Bank Credit Cards Login/Net Banking

To manage your AU Small Finance Bank Credit Card online:

  1. Registration:
    • Visit the AU Small Finance Bank Net Banking portal.
    • Click on 'Register' and provide the required details, including your credit card number and registered mobile number.
    • Set your User ID and password to complete the registration.
  2. Login:
    • Use your User ID and password to log in to the Net Banking portal.
    • Access various services such as viewing statements, making payments, and managing card settings.

Dos & Don'ts of Credit Cards

Dos:

  • Timely Payments: Always pay your credit card bills on or before the due date to avoid interest charges and late fees.
  • Monitor Statements: Regularly review your credit card statements for any unauthorized transactions.
  • Utilize Rewards: Make the most of your reward points and cashback offers.
  • Stay Within Limit: Keep your spending within the credit limit to maintain a healthy credit score.

Don'ts:

  • Avoid Minimum Payments: Paying only the minimum amount due can lead to high-interest accumulation.
  • Don't Share Card Details: Never share your credit card information with unverified individuals or websites.
  • Avoid Cash Withdrawals: Withdrawing cash using your credit card can attract high fees and interest.
  • Don't Ignore Alerts: Pay attention to transaction alerts and notifications for any suspicious activity.

When is the AU Small Finance Bank Credit Card Interest Rate Charged?

Interest on AU Small Finance Bank Credit Cards is applied in the following scenarios:

  • Outstanding Balance: If you do not pay the full outstanding amount by the due date, interest is charged on the remaining balance.
  • Cash Withdrawals: Interest is charged from the date of cash withdrawal until you repay the full amount.
  • New Transactions with Existing Balance: If there's an existing balance, new purchases may attract interest from the transaction date.

AU Small Finance Bank Interest-Free Period

AU Small Finance Bank provides an interest-free period of up to 48 days on credit card purchases. This period varies depending on the specific credit card scheme and the merchant's claim submission. To benefit from this, ensure that the previous month's balance is cleared in full and avoid cash withdrawals, because they do not qualify for the interest-free period.

AU Small Finance Bank Credit Card Application Status

After applying for an AU Small Finance Bank Credit Card, you can track your application status through the following methods:

  1. Online via Bank's Website:
    • Visit the official AU Small Finance Bank website.
    • Navigate to the credit card section and look for the application status link.
    • Enter your application reference number to view the status.
  2. Customer Support:
    • Call the toll-free number: 1800 1200 1200.
    • Provide your application details to the representative to get an update.

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AU Small Finance Bank Credit Card Balance Transfer

AU Small Finance Bank offers a balance transfer facility, it allows you to transfer outstanding balances from other bank credit cards to your AU Small Finance Bank Credit Card. This can help in consolidating debt and reduce the interest costs. For detailed terms, conditions, and the application process, it's recommended to contact AU Small Finance Bank's customer service or visit their official website.

AU Small Finance Bank Credit Card Customer Care

For any queries or assistance related to AU Small Finance Bank Credit Cards, you can reach out to their customer care through the following channels:

  • Phone:
    • Toll-Free: 1800 1200 1200
    • Alternate Numbers:
      • 0141 - 7141000
      • 0141 - 6133000
      • 0141 - 3071800
  • Email: customercare@aubank.in
  • Website: Visit the Contact Us page on the AU Small Finance Bank website for more information.

The customer support team is available 24/7 to assist with your banking needs.

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FAQs for AU Small Finance Bank Credit Cards

You can apply for an AU Bank Credit Card online through the official AU Small Finance Bank website or by visiting a nearby branch. Check your eligibility criteria before applying.

Eligibility criteria typically include age, income, employment status, and credit score. Specific requirements vary depending on the card type.

Commonly you are required to include proof of identity, address, and income. You should check the specific required documents for the card you're interested in.

After receiving your card, you can activate it through the AU 0101 App or you can also contact AU Bank's customer care. The card usually includes detailed instructions.

Fees vary depending on the card type and usage. Common charges for AU Bank Credit Cards include annual fees, finance charges, and late payment fees.

You can pay your credit card bill through various methods, including net banking, the AU 0101 App, NEFT, or by visiting an AU Bank branch. Choose the most convenient method based on the availability and convenience.

You can redeem reward points through the AU 0101 App or net banking portal. Log in to your account, go to the rewards section, and redeem your points for available products and services.

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