AU Bank Credit Card 2023 Apply, Eligibility, Status & Review

AU Bank Credit Card 2023 Apply, Eligibility, Status & Review: Hi friends, if you want ot take a credit card you can think about AU Credit card. There are many benefits of AU Bank Credit Card that you can avail. With the help of credit card, you can make many types of online and offline payments. In this article, we will know in detail what is AU Bank Credit Card, eligibility for this card, what are the documents and how can we apply for this card etc., so you read this article till the end.

AU Bank Credit Card

AU Small Finance Bank Credit Card, you must know what a credit card is. A credit card is a financial instrument that allows customers to make transactions without making immediate payments. In a credit card, you are given a limit which is called credit card limit (AU Bank Credit Card limit). You have to pay your credit card bill at the end of the month.

This limit given to the customers in the credit card is given to them. CIBIL Score is given on the basis of factors like income, credit history. If your income is very high and your credit score is very good then you can get a card of higher limit. You can apply AU Bank Credit Card both online and offline. AU Bank offers various types of credit cards as per the requirement of the customers. You can apply for the card you want to take advantage of. Compare and contrast between different credit cards for yourself. Best AU Bank Credit Card can search for. You can also contact AU Bank Credit Card Customer Care Number for more details about the credit card.

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AU bank credit card types

AU Bank offers various types of credit cards as per the requirement of the customers. Here all the credit card details are given in detail. Depending on the features and benefits of the credit card you want to take advantage of, you can apply for it:

• AU Bank LIT Credit Card ( AU Bank LIT Credit Card)
• AU Bank Zenith Credit Card
• AU Bank Vetta Credit Card
• AU Bank Altura Plus Credit Card ( AU Bank Altura Plus Credit Card)
• AU Bank Altura Credit Card ( AU Bank Altura Credit Card)

AU Bank LIT Credit Card:

Here are the benefits and features of this card ( AU Bank LIT Credit Card Benefits) that you can see:

Benefits and Features:

• Get the benefit of a voucher of Rs 2000 if you spend at least Rs 30,000 within the first 60 days of card issuance.
• 10 reward points for spending Rs.100 on utility bill payments.
• 4 reward points for spending Rs.100 on grocery and departmental store expenses.
• 2 Reward Points for every Rs.100 spent at all other locations.
• per calendar quarter Avail 500 Bonus Reward Points on spending at least Rs.50,000 and an additional 1,000 Bonus Reward Points on spending Rs.1 Lakh.
• Get vouchers worth Rs 1,000 for a minimum spend of Rs 2.50 lakh in a year.
• 1,000 bonus reward points on completing one retail transaction on your birthday.
• 1,000+ airport lounges within and outside the country.
• travel, entertainment etc. with your LIT AU Bank Credit Card.
• Benefit of waiver of 1% fuel surcharge.
• Redeem your reward points to avail e-vouchers, merchandise, mobile/DTH recharge, flight/hotel bookings, and more from top brands.
• 50 lakh.
• If your credit card is lost or stolen, you get card liability cover.
• Credit Shield – Up to Rs 2 lakh.
• Purchase Protection – Up to Rs.25,000.

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AU Bank Zenith Credit Card:

Benefits and Features:

• Get vouchers worth Rs.1000 on the first POS retail transaction.
• 10,000 bonus reward points on retail spending of Rs.1 lakh with your AU Bank Zenith Credit Card.
• 20 reward points for Rs.100 spent on dining in standalone restaurants.
• 10 Reward Points for every Rs.100 spent on international transactions, grocery and departmental stores.
• 5 Reward Points for every Rs.100 spent in all other categories.
• per calendar quarter Get vouchers worth Rs 1000 on minimum spending of Rs 2 lakh.
• Rs.8 lakh in a year.
• International mark-up fee – 1.99%
• Complete a transaction on your birthday and get 2,500 bonus reward points.
• 1,000+ airport lounges within and outside the country.
• 4 complimentary lounge access per calendar quarter within India using your Visa card.
• 1% fuel surcharge waiver.
• 2 crore.
• If your card is lost or stolen, you get card liability cover.
• Rs.5 lakh.
• Purchase protection up to Rs.50,000.

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AU Bank Vetta Credit Card:

Benefits and Features:

• Get a voucher worth Rs 2000 for a minimum spend of Rs 30,000 within the first 60 days of card issuance.
• 10 reward points on spending Rs.100 on utility bill payments.
• 4 Reward Points on every Rs.100 spent at Kirana & Departmental Stores.
• 2 Reward Points on spending Rs.100 on all other categories.
• 500 Bonus Reward Points per calendar quarter on retail spend of Rs.50,000 and additional 1,000 Bonus Reward Points on retail spend of Rs.1 Lakh.
• Get vouchers worth Rs.1,000 in a year with a minimum expenditure of Rs.2.50 lakh.
• 1,000 bonus reward points on completing one retail transaction on your birthday.
• Complimentary lounge access to 1,000+ airport lounges within or outside the country benefit of.
• 1% fuel surcharge waiver.
• 50 lakh.
• If your card is lost or stolen, you get the benefit of card liability cover.
• Rs.2 lakh.
• Purchase protection up to Rs.25,000.

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AU Bank Altura Credit Card:

Benefits and Features:

• 5% cashback on minimum 2,500 retail spends made within the first 60 days of card setup.
• 2% cashback on spending on grocery stores, departmental stores and utility bill payments.
• Rs.50 cashback on retail spending of minimum Rs.10,000 per statement cycle.
• 1% fuel surcharge waiver.
• In case of loss or theft of your credit card, inform the bank immediately so that the bank provides you with card liability cover which protects you from frauds on your card.

AU Bank Altura Plus Credit Card:

Benefits and Features:

• Avail vouchers worth Rs.500 on retail spending of Rs.10,000 within 60 days of issuance of your AU Bank Altura Plus Credit Card.
• 1.5% cashback on all POS retail spends made at merchant outlets.
• 2X Reward Points on all types of online transactions.
• 500 Bonus Reward Points for retail spending of Rs.20,000 or more in a calendar month.
• 1% fuel surcharge waiver.
• In case your credit card is stolen or misplaced, you get card liability cover that protects you from card counterfeiting/skimming and online fraud.

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AU Bank Credit Card Benefits & Features

The bank offers several types of credit cards. Benefits and features vary depending on the card. Here are some common benefits that you can avail with a credit card:

• You can easily make any type of digital payment with the help of your credit card.
• You can do cashless transactions with your card without worrying about cash.
• In credit card you do not have to pay immediately, you can use your card now and pay later.
• Whenever you use your AU Small Finance Bank Credit Card for utility bill payments, grocery payments, payment at departmental stores or elsewhere, you get the benefit of many types of cashback and reward points.
• You can redeem your reward points and use them elsewhere.
• The bank offers a variety of welcome and milestone benefits to new customers on taking the card.
• If your credit card is stolen, lost or damaged If done, you get a complimentary card liability cover that helps you cover the loss.
• On AU Bank Credit Card you get a credit card interest free period of 45-60 days. If you buy anything during this period, then you will not have to pay interest, the only condition is that you have to pay your credit card bill on time.
• You get the benefit of complimentary airport lounge access.
• shopping, travel, food, health care, entertainment, education, international etc.

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AU Small Finance Bank Credit Card Eligibility

You can apply for a credit card only if you fulfill its eligibility. The bank offers several types of credit cards. Eligibility may vary depending on the credit card. The eligibility for AU Bank Credit Card apply is as follows:

• The applicant must be an Indian resident.
• Applicant’s age should be between 21 to 60 years.
• The age of the add-on cardholder should be above 18 years.
• Your CIBIL score should be very good.
• The applicant should have a stable employment which is earning him a steady income.

Documents Need for AU Bank Credit Card

Before applying for AU Bank Credit Card, you should keep all your documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. Documents may vary depending on the credit card. You can also get more information about the document by visiting your nearest AU Bank branch. Documents to apply are as follows:

• Identity Proof: PAN Card, Driving License, Voter ID Card, Passport, Aadhar Card etc.
• Address Proof: Passport, Voter ID Card, Ration Card, Job Card, Electricity Bill, Aadhar Card etc.
• Proof of Income: Form 16, latest salary slip, income tax return document etc.
• passport size photo
• Other Documents

AU bank credit card apply

If you fulfill all the conditions of the credit card, then you can apply for this card both online and offline. You can also apply by calling the customer care number of the bank. To apply, follow the steps given below:

AU Bank Credit Card apply online

• To apply online, you have to first visit the official website of AU Bank.
• On the home page of the website, you will find the option of Cards Credit Card Click on this option will appear.

• After clicking, a list of all credit cards will appear in front of you on the next page.
• Click on the credit card you wish to apply for.
• Apply Now option to apply.
• After clicking, a form will open in front of you.
• Enter the requested information in it and click on submit.
• After this the bank staff will contact you and issue the further process.

How to apply offline ?

• To apply offline, you have to first go to your nearest AU Bank branch.
• Go to the bank and contact the bank official and get complete information about the credit card.
• You have to fill a form and submit the required documents to the bank.
• If your application is accepted, you will be issued a card.

How to check AU Bank Credit Card Status ?

If you have applied for a credit card, you can easily check the status of your application both online and offline. Offline you can find out by going to your nearest bank. Apart from this, you can also track the status of your application by calling on AU Bank Credit Card customer care number. Follow the steps given below to check online:

• First of all you have to go to the official website of the bank.
• After coming to the website, you have to click on the option of credit card.
• anymore Check Application Status Click on the option.
• Enter your application number and click on status option.
• Full details of your application will come in front of you.

AU Bank Credit Card Fees & Charges

When you take a credit card, you have to pay many types of charges and fees on it. These charges may vary depending on the credit card. The fees and charges are as follows:

card name	Joining/Annual Membership Fee Per Year (Except GST)	Interest Charges (Except GST)
Altura	199 rupees	3.49% per month ( 41.88% per annum)
Altura +	Rs 499	3.49% per month ( 41.88% per annum)
Vetta	Rs 2,999	3.49% per month ( 41.88% per annum)
Zenith	Rs 7,999	1.99% per month ( 23.88% per annum)
LIT	Lifetime Free	3.49% per month ( 41.88% per annum)
Additional Card Fee	Lifetime Free (up to 4 per Credit Card account)

Cash Advance Charges	Cash Advance Charges 2.5% of amount withdrawn, subject to a minimum of ₹ 100
Fuel Transaction Surcharge	(a) 1% fuel surcharge waiver for transactions between 400 and 5,000 for the following cards : Altura: Maximum ₹ 100 per statement month Altura Plus: Maximum ₹ 150 per statement month Vetta: Maximum ₹ 250 per statement month. (b) For Zenith Card – 1% fuel surcharge refunded for all transactions. (c) Fuel surcharge waiver not applicable on LIT Credit Card
railway ticket purchase fee	As prescribed by Indian Railways / IRCTC
interest free period	for cash withdrawal up to 48 days
over limit fee	2.5% of the limit amount, minimum ₹ 500
Minimum Amount Due	5% of the total due amount including full EMI and previous month’s dues or a minimum of ₹ 100,
outstation check processing fee	25 rupees

Late Payment Charges (Basis Credit Card Bill Amount):

Total Amount Due / Statement Balance	late payment fee
Less than or equal to ₹ 100	Nil Rs.
Above ₹ 100 and up to ₹ 500	100 rupees
Above ₹ 500 and up to ₹ 5,000	500 rupees
Above ₹ 5,000 and up to ₹ 10,000	700 rupees
Above ₹ 10,000 and up to ₹ 20,000	800 rupees
Above ₹ 20,000 and up to ₹ 50,000	900 rupees
Above ₹ 50,000	Rs 1,100

AU Bank Credit Card Bill Payment 

Whatever you pay with the help of your credit card, you have to pay your bill at the end of the month. The bank offers you a variety of options with the help of which you can pay your credit card bill online and offline. Here is information about all those types:

• Through BHIM UPI
• Bill Payment ( BBPS)
• NETC | FASTag ( NETC | FASTag)
• EMI
• Pay Through NetBanking

AU Small Finance Bank Credit Card Login

• To login, first you have to visit the official website of the bank But have to come.
• On the home page of the website, you will see two options in the login option:
• AU 0101 NetBanking
• Corporate Netbanking
• Click on the one you want to log in for.
• After that you can log in by entering the requested information.

AU Bank Credit Card Customer Care Number

For more information about the credit card, you can also get information by calling the customer care number of the bank.

• Toll Free Number: 1800 1200 1500
• Non-Toll Free Number: 0141-7141100 / 0141-4455000
• Email ID:
• [email protected]
• [email protected] (For Vetta and Zenith customers)
• [email protected] (Reward Points related)
• [email protected] (For Commercial Credit Cards customers)

Conclusion: AU Bank Credit Card Review

In this article we have you provided complete information about AU Bank Credit Card 2023 Apply, Eligibility, Status & Review. Any person who wants to take advantage of AU Bank credit card can apply for this credit card by reading this article. The bank offers various types of credit cards as per the requirement of the customers.

Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

FAQs on AU Credit Card