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.
Zero paperwork • Soft inquiry with 0 CIBIL score impact.
Showing 1–6 of 22 AU Bank cards • Page 1 of 4
Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship AU Bank cards side by side.
| Card SpecsComparison | AU LIT Credit CardCustomizable Lifestyle | ixigo AU Credit CardTravel, Flight & UPI | AU Altura Plus Credit CardRetail Cashback & Rewards | AU Spont Credit CardUPI & Micro-Payments | AU Tejas Credit CardEveryday Essentials & Discounts | AU Altura Credit CardEveryday Cashback |  AU Bank Xcite Ace Credit CardSwipeUp Upgrade Series |  AU Zenith+ Metal Credit CardSuper-Premium Metal |  AU Vetta Credit CardMid-Tier Lifestyle |  Paytm AU Credit CardDigital Wallet & Cashback |  CheQ AU Credit CardFinTech Rewards & UPI |  AU Kosmo Credit CardDigital UPI & Gen-Z |  AU NOMO Credit Card (FD-Backed)Secured Travel & Credit Builder |  AU CA Metal Credit CardProfessional Metal |  AU Bank Xcite Credit CardSwipeUp Upgrade Series |  AU Bank Xcite Ultra Credit CardSwipeUp Upgrade Series |  AU CS Credit CardProfessional Tier |  AU Zenith Credit CardPremium Lifestyle |  AU Laksya Credit CardRetail & Affordable Lifestyle |  AU Business Cashback Credit CardMSME & Commercial |  AU Bank Traverse Credit Card (NRI)NRI & Cross-Border |  AU Corporate Credit CardCorporate Enterprise |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Annual Fee | Nil (Lifetime Free) | Nil (Lifetime Free) / ₹999 + GST | ₹499 + GST | ₹299 + GST | ₹500 + GST | ₹199 + GST | Nil (Lifetime Free via SwipeUp Platform) | ₹4,999 + GST | ₹2,999 + GST | ₹499 + GST | ₹499 + GST | Nil (Lifetime Free) | Nil (Lifetime Free renewal) | Nil (Lifetime Free for qualified CAs) | Nil (Lifetime Free via SwipeUp) | ₹749 + GST | Nil (Lifetime Free for ICSI Members) | ₹7,999 + GST | ₹1,000 + GST | ₹99/month + GST (Billed monthly) | ₹4,999 + GST | Varies based on enterprise arrangement |
Joining Fee | Nil (Lifetime Free) | Nil (Lifetime Free under ongoing promotional issuance) / ₹999 + GST | ₹499 + GST | ₹299 + GST | ₹500 + GST | ₹199 + GST | Nil (Issued as Lifetime Free via SwipeUp) | ₹4,999 + GST | ₹2,999 + GST | ₹499 + GST | ₹499 + GST | Nil (Lifetime Free) | ₹199 + GST (One-time joining fee) | Nil (Lifetime Free for qualified CAs) | Nil (Lifetime Free via SwipeUp) | ₹749 + GST (Often waived via SwipeUp platform) | Nil (Lifetime Free for ICSI Members) | ₹7,999 + GST | ₹1,000 + GST | ₹99/month + GST | ₹4,999 + GST | Varies based on enterprise arrangement |
Waiver Spend | Lifetime Free core card; individual feature packs carry nominal 90-day subscription charges | Waived on annual retail spends of ₹1,00,000 or more | Waived on spending ₹20,000 in first 90 days (1st yr) & ₹80,000 annually (2nd yr onwards) | Waived on annual spends of ₹50,000 or more | Waived on retail spends of ₹1,50,000 or more in the previous card anniversary year | Waived on spending ₹10,000 in first 90 days (1st yr) & ₹40,000 annually (2nd yr onwards) | Lifetime Free via SwipeUp upgrade channel | Waived on retail spends of ₹8,00,000 or more in previous card anniversary year | Waived on spending ₹40,000 within first 90 days (1st yr) & ₹1,50,000 annually (2nd yr onwards) | Waived on annual spends of ₹1,00,000 or more | Waived on annual spends of ₹1,00,000 or more | Lifetime Free unconditionally | Lifetime Free unconditionally after initial ₹199 setup | Lifetime Free unconditionally for verified ICAI members | Lifetime Free unconditionally | Waived on annual spends of ₹1,20,000 or more | Lifetime Free unconditionally for verified ICSI members | Waived on retail spends of ₹5,00,000 or more in the previous card year | Waived on annual spends of ₹1,00,000 or more | Waived for the billing cycle on spending ₹10,000 or more within that statement cycle | Waived on international & domestic spends of ₹5,00,000 or more in previous year | Spend-linked corporate fee waivers negotiated at institutional level |
Reward Rate | Up to 5% cashback or 10X reward points via customizable app toggles | Zero forex markup + up to 10% instant discounts on flight & train bookings | 1.5% cashback on POS swipe spends and 2X points on online purchases | AU Coins on UPI QR payments + 1% cashback on all card transactions | 10% discount on everyday apps (Zomato, District, Amazon Fresh, Cabs) + 5X on AU Rewardz | 2% cashback on groceries, departmental stores, and utility bill payments | 3X Reward Points on travel, dining, and e-commerce spends | 2 Reward Points per ₹100 spent on travel & international with low 0.99% forex | 10 Reward Points per ₹100 on utility bills + quarterly vouchers | Up to 5% cashback on Paytm travel & movie ticketing | 12% rewards on partner brands + 2.5% rewards on CheQ UPI | Accelerated cashback on merchant UPI QR code scan & pay | 2 Reward Points per ₹100 spent with an ultra-low 0.99% forex markup | Accelerated rewards on business software, office tax spends, and dining | 2X Reward Points on all online shopping transactions | 4X Reward Points on international, travel, and dining transactions | 5 Reward Points per ₹100 on dining, travel, and corporate compliance spends | 5 Reward Points per ₹100 on dining, grocery, and international spends | 4 Reward Points per ₹100 on departmental stores, grocery, and apparel | Up to 2% cashback on business utility, vendor payouts, and office supplies | 0% Forex Markup with global reward credits across flights and hotels | Consolidated commercial rewards on business flights and corporate hotel stays |
Airport Lounge | Up to 4 complimentary visits per 90-day cycle (activated on demand via LIT feature pack) | 16 complimentary airport & railway lounge visits annually (8 domestic airport + 8 railway lounges) (Int: 1 complimentary international lounge visit per year via Priority Pass) | 8 complimentary railway lounge visits per calendar year (max 2 per quarter) | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) | Not available | 8 complimentary railway lounge visits per calendar year (max 2 per quarter) | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) | 16 complimentary domestic airport lounge visits per calendar year (max 4 per quarter) (Int: 16 complimentary international lounge visits per calendar year via Priority Pass (max 4 per quarter)) | 4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter) (Int: 4 complimentary international lounge visits per calendar year via Priority Pass (max 1 per quarter)) | 4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter) | 4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter) | Not available | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) | 12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter) (Int: 4 complimentary international lounge visits per calendar year via Priority Pass (max 1 per quarter)) | 4 complimentary railway lounge visits per calendar year (max 1 per quarter) | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) (Int: 2 complimentary international lounge visits per calendar year via Priority Pass) | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) (Int: 4 complimentary international lounge visits per calendar year via Priority Pass (max 1 per quarter)) | 16 complimentary domestic airport lounge visits per calendar year (max 4 per quarter) (Int: 8 complimentary international lounge visits per calendar year via Priority Pass (max 2 per quarter)) | 4 complimentary railway lounge visits per calendar year (max 1 per quarter) | 4 complimentary domestic airport lounge visits per calendar year (max 1 per quarter) | 12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter) (Int: 8 complimentary international lounge visits per calendar year via Priority Pass (max 2 per quarter)) | 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) |
Forex Markup | 3.50% + GST (Reducible to 1.5%–2% via app booster pack) | 0.00% (Zero Forex Markup) | 3.50% + GST | 3.50% + GST | 3.49% + GST | 3.50% + GST | 3.49% + GST | 0.99% + GST | 3.50% + GST | 3.49% + GST | 3.49% + GST | 3.49% + GST | 0.99% + GST | 1.99% + GST | 3.49% + GST | 3.49% + GST | 1.99% + GST | 1.99% + GST | 3.49% + GST | 3.50% + GST | 0.00% (Zero Forex Markup) | 2.50% + GST |
Best Suited For | Tech-savvy users and dynamic spenders who want tailored perks on their own terms. | Frequent travelers, train commuters, and overseas holidaymakers seeking zero forex and UPI integration. | Everyday consumers balancing offline store swipes with standard online shopping. | Daily UPI power users looking for scan-and-pay rewards plus domestic airport lounge perks. | Entry-level users and young professionals looking for upfront discounts on daily delivery, grocery, cab, and movie apps. | First-time cardholders and modest household spenders wanting automatic statement rebates. | Cardholders with existing cards from other banks wanting higher credit limits and free lounge access. | Frequent international flyers and luxury lifestyle spenders desiring ultra-low forex markups. | Urban families seeking utility bill rewards, movie savings, and airport lounge access. | Users who route daily utilities, train/flight bookings, and movie tickets through Paytm. | Urban diners and tech-savvy users who use CheQ for bill management. | UPI-heavy spenders looking for a dedicated, fee-free RuPay credit card for daily QR scans. | Students traveling abroad and credit builders seeking low forex fees and lounge perks. | Chartered Accountants seeking a prestigious metal card with free airport lounge access and low forex fees. | Cardholders looking to add a fee-free secondary card to their wallet using their existing bank limits. | Spenders upgrading from entry cards of other banks to unlock combined lounge and movie perks. | Company Secretaries wanting free airport lounges and travel perks with zero ongoing card costs. | Corporate executives and high earners wanting comprehensive travel comforts and golf access. | Tier 2/3 branch walk-in customers seeking an accessible card for household grocery runs. | Small enterprise owners and traders seeking recurring monthly utility cashback and short-term working capital. | Non-Resident Indians visiting India frequently who want zero forex fees and free ATM cash withdrawals. | Mid-sized to large corporate entities seeking structured travel governance and automated GST accounting. |
| Action |
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 milestoneUpgrade your existing competitor bank credit card to an AU card with a higher credit limit and lifetime free terms with zero documentation.
Cardholders wanting higher credit limits and free cards without income paperwork.
Take control: switch features like 5% dining cashback, 4X travel rewards, or OTT memberships ON or OFF each month as your needs change.
Tech-savvy users who want a flexible credit card tailored to their seasonal spending.
Slash foreign currency transaction fees with an industry-low 0.99% forex markup on the AU Zenith+ Metal credit card.
Frequent international business travellers and luxury vacationers.
Unwind in comfort whether traveling by air or rail with complimentary lounge access across major Indian transit hubs.
Travelers across India who take both flights and trains.
Protect your smartphone and gadgets with complimentary screen damage insurance when purchased on select AU credit cards.
Gadget owners and smartphone buyers seeking built-in electronic protection.
Link your AU RuPay credit card to PhonePe, Paytm, and Google Pay to pay at millions of QR codes with credit float.
Cardholders wanting cashless UPI convenience backed by interest-free credit.
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
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+)
0.99% forex markup, 16 domestic lounges, 4 Priority Pass, Taj Epicure
India's first customizable card, switch 5% cashback or lounge packs ON/OFF
Issued Lifetime Free via SwipeUp, 8 domestic airport lounges/year
Complimentary airport & railway lounges, ₹1,000 vouchers/quarter
1.5% cashback on POS retail, 2 free railway lounges/quarter, 1% fuel waiver
Everything you need to know before applying for AU Bank credit cards in India.
Find out your credit limit, approval probability, and lifetime free eligibility with 100% paperless verification and zero score impact.
