Credit Cards
Presenting AU Credit Cards, A World of Limitless Possibilities.
Ananta Credit Card
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Up to 15% discount on merchants
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Exciting Travel Benefits
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Accelerated Reward Points
Laksya Credit Card
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Up to 15% instant discount with merchant partners
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Complimentary Airport Lounge Access
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Accelerated Reward Points
Tejas Credit Card
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5 Reward Points on AU Rewardz
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Up to 10% Cashback on your favourite categories
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Instant Rewards on activation
Prathama Credit Card
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Up to 2 Reward Points on contactless transactions
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500 Bonus Rewards Points on setting up each recurring payment
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1% Fuel Surcharge Waiver
LIT Credit Card
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Choose Features As Per Your Lifestyle
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Pay For The Features Used
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Switch Features On/Off When You Need
Credit Card Services
Exciting benefits on our Credit Cards
Things to know Before applying for an AU Credit Card
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![<p>It is important to evaluate the annual membership fees, reward points and cashback offers to select the best card matching your lifestyle.</p>]()
It is important to evaluate the annual membership fees, reward points and cashback offers to select the best card matching your lifestyle.
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![<p>Go through the Credit Card MITC or Key Fact Statement for details of applicable fees and charges.</p>]()
Go through the Credit Card MITC or Key Fact Statement for details of applicable fees and charges.
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![<p>Pay your bills on time to help maintain a good credit score and prevent late fees.</p>]()
Pay your bills on time to help maintain a good credit score and prevent late fees.
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![<p>Using more than 30% of your credit limit can negatively affect your credit score.</p>
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Using more than 30% of your credit limit can negatively affect your credit score.
AU Credit Card Eligibility Criteria
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![<p>Age</p>]()
Age
Primary cardholder
Self Employed: 25 years to 65 years
Salaried: 21 years to 60 years
Add-on cardholder
Should be over 18 years -
![<p>Income</p>]()
Income
Minimum monthly income as specified by the bank
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![<p>Employment</p>]()
Employment
Both salaried and self-employed individuals
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![<p>Residency</p>]()
Residency
Must be Indian residents
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![<p>Documentation</p>]()
Documentation
Valid proof of identity, address, and income
*Above steps are indicative
Collect Reward Points. Unlock Gifts & Experiences.
Not sure which product is right for you?
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![Check Whyau]()
Personal assistance
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Customer support
24x7 help
Fees & Charges
Is there any Annual fees applicable on my Credit Card?
Yes, Card Annual fees is applicable on all credit card variants. However, the Card fee is only applicable if the retail spends based fee waiver condition is not met. Please have a quick look at Card fee details below:
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Annual / Renewal Fee |
Altura - ₹199 |
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Spends Conditions for Annual / Renewal Fee Waiver |
1st Year Annual Fee waiver |
Note - Taxes as applicable
When is the Card Annual fee charged?
Annual Card fee is charged in subsequent statement after 90 days completion of card set up date, in case retail spends based fee waiver condition is not met. If the Cardholder meets the spends based fee waiver conditions, then the Card Annual fee is waived. Zenith+ Credit card joining membership fee will be charged on card activation.
Example – If the card is set up on 1st January 2021 and statement date is 15th of every month, then the Card Annual fee for 1st year will be charged in 15th April 2021 statement and for 2nd year onwards, it will be charged in 15th January statement. This is applicable when retail spends based fee waiver condition is not met.
What is included in Retail Spends?
Retail spends includes POS (both Contactless and Chip+PIN) and E-com/Online transactions. It does not include other transactions like Loan amount, Cash withdrawal, Balance transfer, any fees & charges including GST.
What is Interest free credit period?
You can enjoy upto 48 days of Interest free credit period on your AU Credit Card. For more details, refer to Most Important Terms & Conditions document.
What are the different Credit Card fees & charges applicable?
Please refer to our Most Important Terms & Conditions document for detailed Schedule of charges.
What is the fee applicable for Add-on cards?
You can get upto 3 LIFETIME FREE Add on Credit Cards issued to your family members. Annual Card fee is not applicable to Add-on cards.
Is there any charge applicable for doing International transaction on Credit Card?
Yes, Cross currency mark-up charges are applicable for doing an international transaction using your Credit Card. Refer the charges as below:
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Foreign Currency Transaction - Cross Currency Mark-up Charges |
ABC FLEX, ABC NXT, ABC BIZ - 3.50% |
Note - Taxes as applicable
Product Features Related
What are the various features on my Credit Card?
Please visit our Credit Cards section to view features & benefits applicable on AU Credit Cards. Click here to have a look at Credit Card features.
When will I receive various Card Feature/Welcome/Milestone benefits (eg: Brand vouchers, Memberships, Bonus Reward Points, etc.) associated with my Credit Card?
Please note that the various Card benefits will be extended to eligible Cardholders as per below defined timelines.
Card Type | Benefit category | Type of Benefit | Period considered for calculation | Timelines for benefit extension to Eligible Cardholders |
Altura | Product feature Cashback | 1% & 2% Cashback | Statement cycle | In upcoming month's credit card statement |
Milestone Benefit | ₹50 addnl. Cashback | Statement cycle | In upcoming month's credit card statement | |
Altura Plus | Product feature Cashback | 1.5% Cashback | Statement cycle | In upcoming month's credit card statement |
Product feature Reward Points | As per Card proposition | Statement cycle | In upcoming month's credit card statement. | |
Milestone Benefit | 500 Bonus Reward Points | Calendar month | In upcoming month's credit card statement post eligible calendar month end. SMS would be sent on credit of points in your card account. | |
Vetta | Product feature Reward Points | As per Card proposition | Statement cycle | In upcoming month's credit card statement. |
Birthday Benefit | 1,000 Bonus Reward Points | Birthday date | In upcoming/subsequent month's credit card statement. SMS would be sent on credit of points in your card account. | |
Milestone Benefit | 500 & 1,000 Bonus Reward Points | Calendar quarter | In upcoming month's credit card statement post eligible calendar quarter end. SMS would be sent on credit of points in your card account. | |
Milestone Benefit | ₹1,000 Vouchers | Card Anniversary Year | Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of spends condition achievement. | |
Zenith | Product feature Reward Points | As per Card proposition | Statement cycle | In upcoming month's credit card statement. |
Birthday Benefit | 2,500 Bonus Reward Points | Birthday date | In upcoming/subsequent month's credit card statement. SMS would be sent on credit of points in your card account. | |
Milestone Benefit | ₹1,000 Vouchers | Calendar quarter | Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of calendar quarter completion. | |
Milestone Benefit | Taj Epicure Membership | Card Anniversary Year | Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of spends condition achievement. For detailed terms & conditions of Epicure membership, click here | |
| Milestone Benefit | 1000 Reward Point | Statement cycle | In upcoming month's credit card statement post eligible statement cycle end. SMS would be sent on credit of points in your card account. (Example: Statement cycle is January 15th to February 15th) This benefit will be applicable from 1st January 2026. | |
| Zenith+ | Product feature Reward Points | As per Card proposition | Statement cycle | In upcoming month's credit card statement. |
| Note that Reward Points posting in Card account takes up to 5 working days from date of transaction. Visit https://rewardz.au.bank.in/ to view your Reward Points balance. | ||||
| Welcome Benefit | Luxury Brand Vouchers/Reward Points worth INR. 5000 | On card activation | Benefit Communication to eligible cardholders would be sent through SMS/Email within 5 days of activating their Zenith+ credit card. | |
| Milestone Benefit | 1000 Reward Point | Statement cycle | In upcoming month's credit card statement post eligible statement cycle end. SMS would be sent on credit of points in your card account. (Example: Statement cycle is January 15th to February 15th) | |
| Milestone Benefit | Taj Epicure Membership | Card Anniversary Year | Benefit Communication to eligible cardholders would be sent through SMS/Email within 45 days of spends condition achievement. For detailed terms & conditions of Epicure membership. Click here. |
What is the validity for brand vouchers/membership offers?
The benefits of brand vouchers/memberships can be claimed within 60 days of SMS/Email communication. Once claimed, validity of any specific voucher or membership is applicable as per brand’s terms & conditions. Read them carefully.
What is fuel surcharge and how do I get waiver for it?
Fuel surcharge is the transaction charge levied on Fuel transactions done using Credit Card.
As per fuel surcharge waiver feature, 1% Fuel Surcharge is reversed on your Credit Card within the applicable limits.
What is considered under Utility Bill Payments?
Utility Bill Payments include payments done for your Electricity, Water, Gas, Telephone, DTH, Broadband, Prepaid/Postpaid mobile bills, etc. Please note that VISA defined Merchant Category Codes (MCC) are considered for giving card related benefits.
What is the list of Merchant Category Codes (MCC) considered for various card related benefits on Utility Bill Payments, Grocery, Departmental stores, Fuel, Dining and Special categories?
Please refer to below Merchant category code list for eligible card features.
| Merchant Category | Merchant Category Code |
| Fuel | 5983, 5541, 5542, 5172 |
| Grocery & Departmental Stores | 5411, 5422, 5441, 5451, 5462, 5499, 5311, 5999, 5399 |
| Dining | 5811, 5812, 5813, 5814 |
| Special categories | Utility (4812, 4814, 4899, 4900), Insurance (5960 & 6300), Rent (6513) and Education & Govt. (8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950) Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523) |
How can I get access to a Priority Pass Lounge?
You must present your Priority Pass card, issued along with your Vetta, Zenith, Zenith+, ixigo AU, ABC Pro Credit Cards, at the lounge to get access. Please also note that charges of $35+taxes are applicable in below scenarios:
Note: Usage of Priority Pass within India is chargeable. With effect from 1st Jan’25, per visit charges will be revised to $35+ taxes.
Will I retain my Priority Pass membership if I cancel my AU Credit Card?
Where will I find complete list of Priority Pass lounges?
Can I get another Priority Pass issued if it is lost/stolen/damaged?
Are complimentary visits applicable for Priority Pass Lounges within India?
Do I have to hold a flight ticket to access Priority Pass Lounge?
Are the services availed through Concierge chargeable?
What is AU Rewardz and what are its benefits?
AU Rewardz is AU Small Finance Bank’s Credit Card Loyalty Rewards Program that makes the banking experience a rewarding journey for Credit Card members by giving them Reward Points for transactions made using AU Credit Card. Under the AU Rewardz Program, the Credit Card member earns Reward Points for using his/her eligible AU Credit Card for shopping, dining, watching movies, paying bills, and more. Such accumulated Reward Points can be redeemed against a wide range of catalogue products and services such as e-gift cards, merchandise, travel tickets, movie tickets, recharges and more.
To view your Reward Points balance, to redeem your Reward Points or to see more details, please visit https://rewardz.au.bank.in
What is the value of 1 Reward Point?
When do Reward Points get credited in my card account after I do a transaction?
When can I redeem my Reward Points?
Do I get Reward Points or Cashback for doing any type of transactions?
You earn Reward Points or Cashback only for doing POS and Online retail transactions, excluding Cash Withdrawals and Fuel transactions.
Also note that any other transactions like Balance Transfer, EMI, Cash Withdrawals, Charges, etc. are not considered for accruing Cashback or Reward Points.
Is there any charge of doing Reward Points redemption?
Can I combine/transfer my Reward Points if I have multiple cards?
Do I get Cashback or Reward Points for transactions done on my Add-on card?
What is the validity of Reward Points?
Can I redeem my Reward Points once my Credit Card is closed in bank records?
If I face any issues or have a query on Reward Points, whom do I get in touch with?
What happens to my Reward Points if I upgrade/downgrade my Credit Card?
What is the feature duration of the LIT Credit Card?
All features are valid for 90 days from the date they are activated. Feature fees for 90 days would be levied on the day customer opts in for the feature except in case of feature selected during application process, in which fee is levied from the date of Card issuance.
Click here to know more
Are the features auto renewed on LIT Credit Card?
How does feature pricing work on LIT Credit Card?
What are the terms and conditions applicable on LIT Credit Card?
When will I receive Cashback applicable on my LIT Credit Card?
When will I receive membership code applicable on LIT Credit Card?
Customer will receive membership code instantly on activating the feature and it will be visible on AU 0101 App. Penalty charges will be applicable on not meeting the spends criteria, which is given below:
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Category
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Feature Name
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Conditions (if any)
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Memberships
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Zee5 - 3 months
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INR 5,000 to be spent in 90 days' period, otherwise penalty of INR 50 to be levied
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Amazon Prime - 3 months
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INR 10,000 to be spent in 90 days' period, otherwise penalty of INR 299 to be levied
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Statement and Payment Related
In case a cardholder makes partial payment, can a card-issuer charge interest/levy late payment charges on the total amount due?
How can I ensure timely payment of my AU Credit Card outstanding amount using methods other than Auto Debit?
What if I want to use a different payment mode while my auto-debit is active?
Why is the three-day buffer important?
How can I receive my AU Credit Card statement?
Credit Card statements are sent to cardholders on Registered E-mail ID and Registered Mobile no. with a link to download it.
Please ensure that your email id is updated for your Credit Card, to receive e-statement on it. In case, you have not received your credit card statement for any month, please get in touch with our Customer Care team.
You will get your Credit Card statement within 3 working days after your statement generation date.
How can I pay my Credit Card bill?
1. For AU Small Finance Bank Account holders
a) AU Small Finance Bank Account holders can pay through AU 0101 App/ NetBanking.
b) Payment can be made through Autopay facility, where basis the standing instruction given, funds can be automatically transferred from the Cardholder’s AU Small Finance Bank account to the Cardholder’s Credit Card account on due date.
c) Payment can be made through AU Small Finance Bank Cheque, by handing it over to any of our branches. The instrument should be payable to AU Credit Card Number xxxx xxxx xxxx xxxx. Kindly ensure that it is deposited at least 3 working days before due date.
2. For Non- AU Small Finance Bank Account holders
a) Payment can be made through AU 0101/ NetBanking.
b) Payment can be made by dropping other bank cheque in AU Small Finance Bank branches. The instrument should be payable to AU Credit Card Number xxxx xxxx xxxx xxxx. Kindly ensure that it is deposited at least 5 working days before due date in case of Non-AU Small Finance Bank cheque.
What is the Payment Due Date and how do I get to know about it?
What does Total Amount Due & Minimum Amount Due mean?
Total Amount Due – this is the overall amount due as on the statement date that you are required to pay on or before the payment due date, to avoid any interest charges. It includes your opening balance, new purchases, fees & charges if any, minus of your last payment or any other credits posted.
Minimum Amount Due - is the minimum amount due as of statement date that you are required to pay on or before the payment due date, to avoid late payment charges.
Note: Please refer Most Important Terms & Conditions for detailed list of charges and conditions applicable.
What happens if I do not pay Minimum Amount due by Payment Due date?
If the credit card bill payment is not received by payment due date, it would lead to:
• Levy of late payment fees and interest charges.
• A possible suspension of your card.
• Negative effects on your future financial credentials and a negative score at CIBIL.
What is my Billing cycle and Statement Generation date?
Billing cycle – This is the period for which the statement is generated, that lies between two consecutive statement dates. The Credit Card bill reflects the transactions made during the billing cycle, charges levied, if any and any payment/credits.
Statement Generation date – It is the date on which the Credit Card statement is generated and the same is printed in your Credit Card statement.
I have not received my monthly Credit Card statement, what can I do?
How can I check my Credit Card details including Credit Limit, Cash limit, Payment Due Date, Amount Due, etc.?
How can I register or update my E-Mail ID for getting E-statements?
Lost/Stolen/Damaged Card Related
How can I place a request for blocking my card?
You can block your card using the below mentioned channels/ways:
- AU 0101: Access “Block/Unblock Credit Card” option in Cards->Credit Card section and place the request for Blocking your card.
- ChatBot: Access “Block and Reissue Lost/Stolen Card” option in Credit Card services and place request for Blocking your card.
- IVR: Call 180012001500 and select the prompt “Report Lost or Stolen card” and follow the steps to place request for Blocking your card.
- Email: Directly email us at [email protected]/[email protected] (for Vetta, Zenith & Zenith+ customers) for placing the request to block your card.
- Website: Access “Block Lost/Stolen Card” option in Credit Cards section and place request for Blocking your card.
- SMS:
- Send SMS “TBLOCK<Space><Credit Card Last 4 digit><Space><Customer ID>” on 5676767 from registered mobile number to temporarily block your card.
- Send SMS “PBLOCK<Space><Credit Card Last 4 digit><Space><Customer ID>” on 5676767 from registered mobile number to permanently block your card.
How can I place the request to get my Lost/Stolen/Damaged card replaced?
Please call our Customer Care 1800 1200 1500 and place a request. Card Replacement charges of Rs.100 + taxes are applicable. For Zenith+ Card Replacement charges of Rs.2,500 + taxes are applicable.
Is there any change in my Credit Card number in case of card replacement?
In case you card was Lost/Stolen – The replaced card will have a new card number.
In case you card is Damaged – The replaced card will have the same card number as your old card.
General Queries
Is there any exception to the kind of FDs that can be used to apply for an FD based Credit Card?
Tax Saver, Non-callable, Third Party, Joint FD can’t be used for issuance of an FD based Credit Card.
How do I generate my Credit Card PIN and Activate my Card?
Please follow any of the below steps:
• Visit our website www.au.bank.in > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed.
• Visit our website www.au.bank.in > use our Chatbot service "AURO" > Credit Card Services > Set my PIN and follow the steps as briefed.
• Call our Customer Care No. 1800 1200 1500 and Set your PIN on the IVR service.
Note - Credit Card PIN Generation will automatically activate your Credit Card.
How do I reset/change my Card PIN?
Please follow any of the below steps:
• Visit our website www.au.bank.in > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed.
• Visit our website www.au.bank.in > use our Chatbot service "AURO" > Credit Card Services > Set my PIN and follow the steps as briefed.
• Log on to our NetBanking or Mobile Banking application > Visit 'Set my PIN' section and follow the steps as briefed.
• Call our Customer Care No. 1800 1200 1500 and Set your PIN on the IVR service.
How do I enable/disable transaction types on my Credit Card?
Please follow any of the below steps:
• Visit our website www.au.bank.in > Credit Cards section > Credit Card Services > Enable/Disable Transaction Types and follow the steps as briefed.
• Log on to our NetBanking or Mobile Banking application > Visit 'Manage Limits' section and follow the steps as briefed.
• Call our Customer Care No. 1800 1200 1500 and Enable or Disable Transaction Types on the IVR service.
When will I receive my Credit Card after I have applied?
You will receive SMS intimation on your approved Card Application and subsequently for Card dispatch and Card delivery. Card is delivered within 7 working days. For any assistance, call us on 1800 1200 1500.
If my Card got returned, how do I again request for Card delivery?
Please call us on 1800 1200 1500.
Why do my Online/International/Contactless/POS transactions get declined?
This might happen due to multiple reasons:
1) You might have not enabled your Online/International/Contactless/POS transaction type. Please click here to enable it or enable it on our IVR number 1800 1200 1500.
2) You might have utilized the overall Credit Limit on your card, please regularize your card by making payment and you can again use the Card for transactions.
For any assistance, call us on 1800 1200 1500.
How do I raise the request for my Credit Card closure?
You can follow any of the steps below:
• Visit our website www.aubank.in > use our Chatbot service AURO > Credit Card services > Raise request through ‘Credit Card Closure’.
• Call our customer care no. 1800 1200 1500 and raise request for card closure.
• Raise card closure request by sending email at [email protected]/[email protected] (for Vetta & Zenith customers)
• Call our customer care no. 1800 1200 1500 and raise request for card closure.
• Raise card closure request by sending email at [email protected]/[email protected] (for Vetta & Zenith customers)
Card closure request will be accepted through the channels mentioned above only. Once request is received, it will be processed within 7 working days.
Why was my Credit Card closed after 37 days of issuance?
As per RBI guidelines, a Credit Card must be activated within 37 days of issuance. Otherwise, the card will be closed and can’t be reinstated.
