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Premium

Welcome Benefits

2000 Bonus Reward Points on spending ₹5000 within 30 days of card activation

ICAI Membership Renewal

Get flat 25% cashback on renewing your annual ICAI Membership Fee. Know more

Accelerated Rewards Program

8 Reward Points on Dining, Travel, Tax Payments & Software Purchases

Travel Benefits

Unwind during your travel with 2 Complimentary Domestic Airport Lounge Access per quarter.

Dedicated Concierge Services

Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.

Fuel Surcharge Waiver

Enjoy 1% Fuel Surcharge Waiver (up to ₹250) for transactions between ₹400 and ₹5,000 at all fuel stations across the country.

AU Rewardz

Get a plethora of options to redeem your Reward Points for amazing benefits. 

Zero Processing Fee on Xpress EMI

Now convert transactions of a minimum value of ₹2000 into EMI with zero processing fee. Club up to 20 billed or unbilled transactions for conversion.

 

 

 

    Comprehensive Protection Cover

    Up to ₹50 Lakh Air accident cover

    Contactless Card Usage

    Make quick & secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with digitally added card, against a POS machine.

    Curated Offers

    Exclusive offers on MMT, Times Prime Membership and Alaya stays.

    AU Royale Savings Account for Chartered Accountants

    No Minimum Balance Requirement, High Interest Rate. Complimentary Domestic Airport Lounge Access

    Things to know

    Eligibility Criteria

    • Self Employed: 25 years to 75 years
    • Salaried: 21 years to 60 years
    • Add-on Cardholders: 18+ years
    • Resident Indian

    AU Small Finance Bank reserves the right to approve or decline applications.

    Fees and Charges 

    Lifetime Free Credit Card – No annual membership fee

    Click here to view Key Fact Statement.

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    Accelerated Rewards Program

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      8 Reward Points* per ₹100 spent on Dining, Travel, Tax Payments & Software Purchases

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      2 Reward Points per ₹100 spent on retail categories

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      1 Reward Point per ₹100 on Utility & Telecom and Insurance spends*

    Note: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends and 5000 Reward Points per statement cycle on Dining, Travel, Tax Payments & Software Purchases. With effect from 1st April 2026, Reward Points accrual on Transportation Merchant Category Codes will be discontinued. Know more

    Travel Benefits

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      Enjoy up to 2 complimentary domestic lounge visits per calendar quarter within India using your AU Credit Card. Lounge access is available only if your card remains purchase‑active during the quarter. View the list of eligible domestic lounges click here. For detailed terms and conditions, click here.

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      Low Forex Markup of 1.99% on all international transactions

    Welcome Benefits

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      2000 Bonus Reward Points on spending ₹5000 within 30 days of card activation

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      SwiggyOne Quarterly Dining Membership on spending ₹10,000 within 30 days of card activation. Know more

    AU Rewardz

    • Some of them are:

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      E-vouchers of top brands

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      Merchandise

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      Mobile/DTH recharges

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      Flight/Hotel bookings and much more

    • Click Here to explore our AU Rewardz offerings.

    Zero Processing Fee on Xpress EMI

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      AU 0101 App (Only 2-steps for EMI conversion)

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      Net-Banking

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      Auro Chat-bot

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      WhatsApp Banking (Just write “Hi” on our official AU Small Finance Bank Channel over WhatsApp (8383838399) and proceed)

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      On Call 1800 1200 1500 (Our Customer Care team will help you convert Instantly!)

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      IVR (Interactive Voice Response)

    Comprehensive Protection Cover

      • Air Accident Cover: ₹50 Lacs
      • Card Liability Cover:

      You carry zero liability for any fraudulent transactions made after reporting the loss of your Credit Card to the bank. This also includes protection against card counterfeit/skimming and online frauds.

      • Credit Shield: Up to ₹5 Lacs
      • Purchase Protection: Up to ₹25,000
      • Travel-Related Covers:

      Protection in cases of baggage loss, baggage delay, flight delay, loss of passport, and plane hijack.

    • Please click here to view detailed terms and conditions. To claim any of the mentioned insurance benefits, please call our Customer Care no. 1800 1200 1500.

    Curated Offers

    • Visa Exclusive Offers    

        • Elevate your travel experiences with MakeMyTrip: Avail 2 Complimentary domestic flights seats booking (max value of up to ₹350) and Flat 15% off on select domestic hotels as MyCash. Know More
        • Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers. Know More
        • Exclusive Stay Offers with Alaya Stays (4-star villas at coveted Indian destinations, offers available at 200+ villas) Stay for 3, Pay for 2 and 50% savings on the 2nd night. Know More
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