Our Money Guide
Summary

Summary Table

Minimum Income Annual Fee – 1st Year Annual Fee – 2nd Year Onwards Special Benefits Other Important Benefits

AU Instapay Credit Card

APPLY NOW

Not specified

Lifetime free

Lifetime free

Lifetime free card – there is no annual fee on the card

Cashback on UPI spends at departmental stores, dining, pharmacy, grocery & supermarkets – on total purchases upto ₹10000 per month

AU Bank Zenith Credit Card

APPLY NOW

Not specified

Fee : ₹7999

Offer : Welcome offer worth ₹7999

Fee : ₹7999

Offer : Renewal fee waived at ₹5 lakhs annual card spend

5% benefit on dining spends (only at standalone restaurants). 2.50% benefit on grocery & departmental store purchases, and international spends.

Complimentary access to airport lounges in India (4 times per quarter), and abroad (4 times per quarter). Complimentary access to railway lounges in India (2 times per quarter).

AU Bank Zenith+ Metal Credit Card

APPLY NOW

₹2.5 lakhs net income per month

Fee : ₹4999

Offer : Welcome offer worth ₹5000

Fee : ₹4999

Offer : Renewal offer worth ₹5000

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter), and in India (16 per year)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter). Low fee (forex markup fee) of 0.99% on international card spends

AU Bank Altura+ Credit Card

APPLY NOW

Not specified

Fee : ₹499

Offer : Welcome offer worth ₹499

Fee : ₹499

Offer : Renewal fee waived at ₹80,000 annual card spend

Complimentary railway lounge access – 2 per quarter

Cashback on offline card spends, on purchases upto ₹6660 per month

AU Bank Altura Credit Card

APPLY NOW

Not specified

Fee : ₹199

Offer : Welcome offer worth ₹199

Fee : ₹199

Offer : Renewal fee waived off at ₹40000 annual card spend

Complimentary railway lounge access – 2 per quarter. Low annual fee of ₹199. Annual fee is waived off if you spend ₹40,000 in the previous year

Complimentary railway lounge access – 2 per quarter. Low annual fee of ₹199. Annual fee is waived off if you spend ₹40,000 in the previous year

ixigo AU Credit Card

APPLY NOW

Not specified

Fee : ₹999

Offer : Welcome offer over ₹1000

Fee : ₹999

Offer : Renewal fee waived at ₹1 lakh annual card spend

Discounts on ixigo  – 10% discount (upto ₹1000) on flight bookings, once per month || 10% discount (upto ₹1000) on hotel bookings, once per month || 10% discount (upto ₹300) on bus bookings, once per month

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

Minimum Income Annual Fee – 1st Year Annual Fee – 2nd Year Onwards Special Benefits Other Important Benefits

AU Instapay Credit Card

APPLY NOW

Not specified

Lifetime free

Lifetime free

Lifetime free card – there is no annual fee on the card

Cashback on UPI spends at departmental stores, dining, pharmacy, grocery & supermarkets – on total purchases upto ₹10000 per month

AU Bank Zenith Credit Card

APPLY NOW

Not specified

Fee : ₹7999

Offer : Welcome offer worth ₹7999

Fee : ₹7999

Offer : Renewal fee waived at ₹5 lakhs annual card spend

5% benefit on dining spends (only at standalone restaurants). 2.50% benefit on grocery & departmental store purchases, and international spends.

Complimentary access to airport lounges in India (4 times per quarter), and abroad (4 times per quarter). Complimentary access to railway lounges in India (2 times per quarter).

AU Bank Zenith+ Metal Credit Card

APPLY NOW

₹2.5 lakhs net income per month

Fee : ₹4999

Offer : Welcome offer worth ₹5000

Fee : ₹4999

Offer : Renewal offer worth ₹5000

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter), and in India (16 per year)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter). Low fee (forex markup fee) of 0.99% on international card spends

AU Bank Altura+ Credit Card

APPLY NOW

Not specified

Fee : ₹499

Offer : Welcome offer worth ₹499

Fee : ₹499

Offer : Renewal fee waived at ₹80,000 annual card spend

Complimentary railway lounge access – 2 per quarter

Cashback on offline card spends, on purchases upto ₹6660 per month

AU Bank Altura Credit Card

APPLY NOW

Not specified

Fee : ₹199

Offer : Welcome offer worth ₹199

Fee : ₹199

Offer : Renewal fee waived off at ₹40000 annual card spend

Complimentary railway lounge access – 2 per quarter. Low annual fee of ₹199. Annual fee is waived off if you spend ₹40,000 in the previous year

Complimentary railway lounge access – 2 per quarter. Low annual fee of ₹199. Annual fee is waived off if you spend ₹40,000 in the previous year

ixigo AU Credit Card

APPLY NOW

Not specified

Fee : ₹999

Offer : Welcome offer over ₹1000

Fee : ₹999

Offer : Renewal fee waived at ₹1 lakh annual card spend

Discounts on ixigo  – 10% discount (upto ₹1000) on flight bookings, once per month || 10% discount (upto ₹1000) on hotel bookings, once per month || 10% discount (upto ₹300) on bus bookings, once per month

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

Summary Table

LIFETIME FREE UPI CARD FROM AU BANK
AU Bank Insta Pay Credit Card
Our Rating     3.50
Rewards Rate
✔︎
Lifetime free card - there is no annual fee on the card
1%
Cashback on UPI spends at departmental stores, dining, pharmacy, grocery & supermarkets - on total purchases upto ₹10000 per month
Annual Fee

Lifetime free

Annual Fee Offers

Minimum Income

Not specified


Lifetime free card – there is no annual fee on the card

Virtual only card – you will not receive a physical card

1% cashback on UPI spends at departmental stores || dining

Lifetime free card – there is no annual fee on the card

Virtual only card – you will not receive a physical card

1% cashback on UPI spends at departmental stores || dining || pharmacy || grocery & supermarkets
– You earn ₹1 (as cashback), on every 100 you spend on UPI transactions at departmental stores, dining, pharmacy, grocery & supermarkets.
– This benefit is valid on total purchases upto ₹10000 per month, since the maximum cashback is restricted to ₹100 per month.

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month only, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver amount would still be capped at ₹100 in all cases

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Benefits
– Life time free card
– You can use your card for UPI payments

Drawbacks
– Reward rate on card spending is low

PREMIUM CARD FROM AU BANK, WITH A RANGE OF BENEFITS
AU Bank Zenith Credit Card
Our Rating     3.75
Rewards Rate
5%
Benefit on dining spends (only at standalone restaurants)
2.50%
Benefit on grocery & departmental store purchases, and international spends
✔︎
Complimentary access to airport lounges in India (4 times per quarter)
✔︎
Complimentary access to airport lounges outside India (4 times per quarter)
✔︎
Complimentary access to railway lounges in India (2 times per quarter)
✔︎
Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh
Annual Fee

₹7999

Annual Fee Offers

✓ Welcome offer :  1st year annual fee waived off at card spend of ₹1.25 lakhs, within 90 days of card issuance date.

✓ Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹5 lakhs or more in the previous year.

Minimum Income

Not specified


5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Quarterly and yearly milestone benefits
– You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh
– Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to airport lounges in India – 4 times per quarter

Complimentary access to airport lounges outside India – 4 times per quarter (through Priority Pass program)

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625 : You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

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Benefits
– Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Drawbacks
– Reward rate on card spending is comparatively low, especially on travel spends

PREMIUM CARD FROM AU BANK, WITH A RANGE OF BENEFITS
AU Bank Zenith+ Credit Card
Our Rating     3.75
Rewards Rate
✔︎
Complimentary access to airport lounges outside India - 16 times per year (maximum 4 times per quarter)
✔︎
Complimentary access to airport lounges in India - 16 per year
✔︎
Airport meet & assist services, 4 times per year (maximum 1 time per quarter)
✔︎
Low fee of 0.99% on international card transactions
✔︎
BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹8000 per year
✔︎
Complimentary golf - 8 free golf rounds/lessons per year (maximum 2 per quarter)
Annual Fee

₹4999

Annual Fee Offers

✓ Welcome offer :  5000 reward points worth ₹5000, upon 1st card transaction within 30 days of card issuance date

✓ Renewal offer : Annual fee not charged from the 2nd year onwards, at ₹8 lakhs annual card spend. In case you do not qualify for this offer, you are given 5000 reward points worth ₹5000, on payment of renewal fee.

Minimum Income

₹2.5 lakhs net income per month


2% benefit on travel spends, dining spends, and international spends || 1% benefit on all other card spends
– You earn 2 reward points worth ₹2, on every ₹100 spent

2% benefit on travel spends, dining spends, and international spends || 1% benefit on all other card spends
– You earn 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
– You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹1
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Upto 1.3% additional benefit, through monthly milestone program
– You get 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
– Fuel transactions, cash withdrawals and EMI transactions are not eligible for monthly milestone card spend calculation

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter)
– You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹8000 per year
– Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
– This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto ₹15 lakhs
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
– Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

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Benefits
– Good lifestyle benefits like airport lounge access, airport meet & assist, golf, movie tickets, insurance benefits and more
– Good annual fee related offers

Drawbacks
– Reward rate on card spending is comparatively low, especially on shopping spends

AU Altura+ Credit Card
Our Rating     3.25
Rewards Rate
✔︎
Complimentary railway lounge access - 2 per quarter
1.50%
Cashback on offline card spends, on purchases upto ₹6660 per month
✔︎
Fuel surcharge waiver, upto ₹150 per month
Annual Fee

₹499

Annual Fee Offers

✓ Welcome offer : 1st year annual fee waived off, at ₹20,000 card spend within 90 days of card generation date.

✓ Renewal offer : Annual fee is not charged from the 2nd year onwards, if you spend ₹80,000 or more in the previous year.

Minimum Income

Not specified


1.50% cashback on offline card spends, on purchases upto ₹6,666 per month
– You get ₹1.50 (as cashback), on every ₹100 you spend in these categories

1.50% cashback on offline card spends, on purchases upto ₹6,666 per month
– You get ₹1.50 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹6666 per month, since the maximum cashback at this rate is restricted to ₹100 per month

0.50% cashback on online card spends
– You get 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more

0.25% cashback on the following spends – utility bills, rent, insurance, education & government category spends

Milestone benefit
– You get 500 bonus reward points worth ₹125, at monthly card spend of ₹20,000
– Fuel transactions and cash withdrawal transactions are excluded from this bonus reward points spends calculation

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹150 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹15,000 per month, since the waiver amount is restricted to ₹150 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹150 in all cases

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Benefits
– Complimentary railway lounge access
– 1.50% cashback on offline card spends

Drawbacks
– Reward rates on card spending are comparatively low

LOW FEE CARD, GOOD CASHBACK ON SMALL SHOPPING PURCHASES
AU Bank Altura Credit Card
Our Rating     3.50
Rewards Rate
✔︎
Low annual fee of ₹199
✔︎
Low annual card spend requirement of ₹40,000, to get annual fee waived off
2%
Cashback on grocery purchases || department store purchases || utility bill payments - on purchases upto ₹2500 per month
✔︎
Complimentary railway lounge access - 2 per quarter
Annual Fee

₹199

Annual Fee Offers

✓ Welcome offer : 1st year annual fee waived off, at ₹10,000 card spend within 90 days of card generation date.

✓ Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹40000 or more in the previous year.

Minimum Income

Not specified


2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on eve

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

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Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)

BEST FOR TRAVEL BOOKINGS ON IXIGO (FLIGHTS, HOTELS, TRAINS & BUS BOOKINGS)
AU IXIGO CARD
Our Rating      4.0
Rewards Rate
✔︎
10% discount (upto ₹1000) on flight bookings on ixigo - once per month
✔︎
10% discount (upto ₹1000) on hotel bookings on ixigo - once per month
✔︎
10% discount (upto ₹300) on bus bookings on ixigo - once per month
2.50%
Benefit on train bookings, on ixigo
✔︎
Complimentary access to international airport lounges - once per year
✔︎
Complimentary access to domestic airport & railway lounges - 16 times per year
✔︎
No fee (forex markup) on international transactions
Annual Fee

₹999

Annual Fee Offers

Welcome offer : Joining fee waived at ₹1000 card spend, within 30 days of card issuance || Renewal offer : Annual fee not charged from the 2nd year onwards, if you spend ₹1 lakh or more in the previous year

 

Minimum Income

Not specified


10% discount (upto ₹1000) on flight bookings on ixigo – once per month
– You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (sin

10% discount (upto ₹1000) on flight bookings on ixigo – once per month
– You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹1000) on hotel bookings on ixigo – once per month
– You get a 10% discount on ixigo hotel bookings, on hotel bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹300) on bus bookings on ixigo – once per month
– You get a 10% discount on ixigo bus bookings, on bus bookings upto ₹3000 (since the maximum discount is restricted to ₹300), once per month.
– On bookings above ₹3000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

2.50% benefit on train bookings on ixigo
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on train bookings on ixigo.
– 1 reward points = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more.

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

1.25% benefit on all online card spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all online purchases.
– 1 reward points = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

0.62% benefit on all offline card spends
– You earn 2.50 reward points worth ₹0.62 (62 paise), on every ₹100 you spend on all offline purchases.
– 1 reward points = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

Complimentary access to international airport lounges – once per year

Complimentary access to domestic airport & railway lounges – 16 times per year

No fee (forex markup) on international transactions

Fuel surcharge waiver : You get a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000, at all fuel stations across India.

Card liability cover upto ₹1.50 lakhs
– You carry zero liability for any credit card fraudulent transactions, after reporting its loss to the bank, with coverage extending up to ₹1.5 lakhs.
– You are also protected against card counterfeit/skimming and online frauds.

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Benefits
– Attractive discounts on various kinds of travel bookings on ixigo
– Complimentary airport & railway lounge access

Drawbacks to consider
– You are restricted to ixigo platform, to earn these attractive travel rewards
– You may need to look at other cards to earn rewards on your other major spends like shopping etc.

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