Best AU Bank Credit Cards in India (0 Cards)
Compare annual fees, lounge access, reward rates, RuPay UPI features, and welcome benefits across AU Bank's official card lineup. Apply online with instant eligibility check and zero impact on your CIBIL score.
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Why Choose AU Bank Credit Cards?
Pioneering Credit Limit Matching via SwipeUp & Dynamic Customizable Packs
AU Small Finance Bank has emerged as India's most innovative challenger in the credit card industry. Known for its revolutionary AU SwipeUp platform—which matches or upgrades credit card limits from other banks with zero salary documentation—AU also created India's first customizable credit card (AU LIT) and offers standout luxury benefits including 0.99% forex markup on Zenith+ and complimentary railway executive lounges.
Up to 5% Cashback / 10X Reward Points
AU Reward Points / Real-Time CashbackUp to 16 complimentary visits/year
Domestic & Global AccessScan & Pay Active
Up to 50 days float0.99% (Zenith+) to 3.49%
International TravelSwipeUp upgrades issued Lifetime Free; ₹30,000-₹8L spend waivers
Spend waiver milestoneAU SwipeUp Limit Matching Engine
Upgrade your existing competitor bank credit card to an AU card with a higher credit limit and lifetime free terms with zero documentation.
- Enter your existing competitor card details on AU SwipeUp to get an instant upgraded card offer
- Higher matched credit limits and enhanced reward rate compared to your current bank card
- Issued completely Lifetime Free with zero joining fee and zero annual maintenance fee forever
- Full video KYC approval and instant virtual card generation within minutes
Cardholders wanting higher credit limits and free cards without income paperwork.
AU LIT Dynamic Customizable Feature Packs
Take control: switch features like 5% dining cashback, 4X travel rewards, or OTT memberships ON or OFF each month as your needs change.
- Activate 5% cashback on travel, dining, or grocery for 30 or 90 days right from the AU 0101 app
- Turn on domestic airport lounge access packs only in the months you plan to travel
- Add 10X reward points accelerators on international or online purchases
- Pay nominal micro-fees only for the specific perks you activate, keeping the core card lifetime free
Tech-savvy users who want a flexible credit card tailored to their seasonal spending.
0.99% Ultra-Low Forex Markup on Zenith+
Slash foreign currency transaction fees with an industry-low 0.99% forex markup on the AU Zenith+ Metal credit card.
- Save 2.5% or more compared to conventional 3.5% + GST bank forex fees on international expenses
- 16 complimentary domestic airport lounge visits annually + 4 international lounge visits via Priority Pass
- Complimentary luxury dining and Taj Epicure membership benefits
- Luxury metal form factor with dedicated 24/7 private concierge desk
Frequent international business travellers and luxury vacationers.
Complimentary Domestic & Railway Lounges
Unwind in comfort whether traveling by air or rail with complimentary lounge access across major Indian transit hubs.
- Up to 8 to 16 domestic airport lounge visits per year across tier-1 and tier-2 airport terminals
- Access to Indian Railway executive lounges at New Delhi, Agra, Jaipur, and other major junctions
- Includes free buffet meals, Wi-Fi, air-conditioned seating, and refreshments
- Simplified tap-and-enter access with Visa and RuPay payment networks
Travelers across India who take both flights and trains.
Complimentary Mobile Screen Damage Protection
Protect your smartphone and gadgets with complimentary screen damage insurance when purchased on select AU credit cards.
- Covers mobile screen damage repairs up to ₹5,000 to ₹10,000 per claim
- Lost card liability insurance up to ₹15 Lakhs protecting against unauthorized offline/online use
- Personal air accident cover up to ₹1 Crore on premium tiers
- Purchase protection covering newly bought items against accidental damage or burglary
Gadget owners and smartphone buyers seeking built-in electronic protection.
AU RuPay UPI & 0101 Mobile Banking Ecosystem
Link your AU RuPay credit card to PhonePe, Paytm, and Google Pay to pay at millions of QR codes with credit float.
- Earn reward points on UPI transactions just like physical card point-of-sale swipes
- Enjoy up to 50 days of interest-free credit period on everyday scan-and-pay transactions
- Manage card limits, reset PIN, block/unblock, and toggle international spends in the AU 0101 app
- Instant credit card bill payment directly from your AU savings account or any UPI app
Cardholders wanting cashless UPI convenience backed by interest-free credit.
AU Rewardz & Dynamic LIT Packs
Up to 10X reward points on dining and international spends; 5% cashback on retail
₹0.25 per AU Reward Point / 1:1 on direct cashback
- Direct Statement Credit against monthly card bill
- Flight and Hotel Bookings via AU Rewardz Portal
- E-Gift Cards for top shopping brands
- Merchandise and electronics catalog
Airport Lounge Privileges & Spend Thresholds
Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.
Up to 8 to 16 complimentary domestic airport lounge visits per year across major Indian metropolitan terminals.
Complimentary Priority Pass membership with up to 4 free international visits per year on Zenith and Zenith+.
₹30,000 (Altura), ₹1,00,000 (Altura Plus), ₹1,50,000 (Vetta), ₹8,00,000 (Zenith+)
Flagship AU Bank Cards with These Features
AU Zenith+ Metal Credit Card
0.99% forex markup, 16 domestic lounges, 4 Priority Pass, Taj Epicure
AU LIT Credit Card
India's first customizable card, switch 5% cashback or lounge packs ON/OFF
AU Xcite Ace Credit Card
Issued Lifetime Free via SwipeUp, 8 domestic airport lounges/year
AU Vetta Credit Card
Complimentary airport & railway lounges, ₹1,000 vouchers/quarter
AU Altura Plus Credit Card
1.5% cashback on POS retail, 2 free railway lounges/quarter, 1% fuel waiver
Frequently Asked Questions About AU Bank Cards
Everything you need to know before applying for AU Bank credit cards in India.
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