PREMIUM CARD, WITH GOOD LIFESTYLE BENEFITS

AU Bank Zenith Credit Card

Our Rating 3.75
Top Reasons to Choose
5%
Benefit on dining spends (only at standalone restaurants) - on total spends upto ₹25000 per month
2.50%
Benefit on grocery & departmental store purchases, and international spends
✔︎
Complimentary access to airport lounges in India (2 times per quarter)
✔︎
Complimentary access to airport lounges outside India (2 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

Minimum Income

Not specified

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.

PREMIUM METAL CARD - WITH A RANGE OF LIFESTYLE BENEFITS

AU Bank Zenith+ Metal Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
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)
✔︎
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

Minimum Income

Not specified

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.

TRAVEL CARD - COBRANDED CARD WITH IXIGO

ixigo AU Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
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

Minimum Income

Not specified

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

LOW ANNUAL FEE CARD || ANNUAL FEE WAIVER AT ₹40,000 YEARLY CARD SPEND

AU Bank Altura Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
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 spends upto ₹2500 per month
✔︎
Complimentary railway lounge access - 2 per quarter
Annual Fee

₹199

Minimum Income

Not specified

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.

BEST FOR COMPLIMENTARY RAILWAY LOUNGE ACCESS

AU Bank Altura+ Credit Card

Our Rating 3.25
Top Reasons to Choose
✔︎
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

Minimum Income

Not specified

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.

LIFETIME FREE VIRTUAL CARD || CAN BE USED FOR UPI SPENDS

AU Instapay Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
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

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Nil

AU Bank Credit Card Offers

AU Credit Cards come with a wide range of offers and rewards. Some of the popular card offers are -

  • AU Bank Credit Cards with cashback offers
  • AU Bank Credit Cards with airport lounge access offers
  • AU Bank Credit Cards with railway lounge access offers
  • AU Bank Credit Cards with shopping offers
  • AU Bank Credit Cards with travel offers
  • AU Bank Credit Cards with annual fee offers
  • AU Bank Credit Cards with golf offers
  • AU Bank Credit Cards with movie offers
  • AU Bank Credit Cards with dining offers
  • AU Bank co-branded credit card with Ixigo

Which is the best AU Bank Credit Card?

The best card depends on many factors. It depends on your personal circumstances like income, credit score and more. It also depends on your spending patterns and preferences. For example, some credit cards may offer higher rewards on certain types of credit card spends, while some people may prefer a lifetime free or a lower annual fee card even though the rewards on the card maybe comparatively lower. Premium cards usually offer higher reward points, along with best-in-class lifestyle benefits. 

On this page, we have given detailed information on various AU Bank Credit Cards, based on which you can make an informed choice.

How can I apply for an AU Bank Credit Card? 

You can apply for a AU Bank Credit Card online or offline.

AU Bank Credit Card - Apply Online 

You can apply for an AU Bank Credit Card online, by clicking the APPLY NOW button provided against each of the AU Bank Credit Cards on this page. You shall be taken to the AU Bank credit card application page on the AU Bank website. 

You can also visit the official website of AU Bank, and fill out the respective credit card application form. 

The AU Bank Credit Card online card application process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your physical card in a few working days.

AU Bank Credit Card - Apply Offline 

You can also visit any of the nearest branches of AU Bank, and talk to an executive regarding the process. They shall help you complete the credit card application process.

Eligibility criteria for getting an AU Bank Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the AU Bank Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Age : 18 years to 60 years
  • Income : Some AU Bank Credit Cards specify the minimum income requirements, but most do not.
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for an AU Bank Credit Card

Some of the basic documents required are-

  • PAN card copy
  • Identity proof : PAN card , driving license, valid passport, voter ID (any one)
  • Address proof : electricity bill, phone bill, driving licence, passport, ration card, bank statement, passbook, voters ID, flat maintenance bill, rent agreement (any one)
  • Income proof : latest salary slip, income tax return

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my AU Bank Credit Card application? 

After applying for an AU Bank credit card, the card applicant can track the application status by clicking here –  AU Bank Credit Card Application Status, and putting in the application reference number. 

AU Bank Credit Card Fees & Charges

Please find below some important fees and charges of AU Bank Credit Cards.

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card, a first year annual fee which is often called joining fees, and then an ongoing annual fee from the 2nd year onwards. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest rate

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section.

Cash withdrawals

You can use your AU Bank Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all AU Credit Cards, please click here – AU Bank Credit Cards Fees & Charges

Best Credit Cards

Please see below some of the best credit cards on offer-

Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards