AU Small Finance Bank Credit Card – Features, Eligibility & Apply Online
AU Small Finance Bank offers different credit cards suitable for diverse spending needs of the customers. Some of these are entry-level cards with basic rewards and cashback benefits, while other premium card variants come with extensive benefits, like brand discounts, low forex mark-up and complimentary lifestyle memberships. You can choose any of the AU Credit Cards depending upon your preferences and spending patterns. Refer below for the list of some of the top AU Credit Cards, along with their features, fees and rating, and apply online through Paisabazaar.
Best AU Credit Cards for 2024
AU Credit Cards come with a variety of features on several spending categories. Some of these credit cards offer reward points, cashback, vouchers, lounge access and other milestone benefits to help the card users save more on their spends.
Here, we have listed some of the most popular AU credit cards, along with their key features and ratings, from which you can choose based on your preferences and needs.
Each AU Credit Card comes with its distinct savings benefits as per the card variant. But there are certain common features that are available irrespective of the type of credit card you own. Some of these are mentioned below:
Xpress Loan: This facility of instant loan disbursement through IMPS, fund transfer or UPI helps you in case of urgent financial needs.
Xpress Loan feature is offered within your AU credit card limit at a low processing fee of 2% of the loan amount and can be repaid in instalments over flexible tenures of 6, 12, 18, 24 or 36 months. The process of availing this pre-approved loan offer is quite convenient and requires no documentation.
Xpress EMI: Through this facility, you can convert any of your AU credit card purchases worth Rs. 2,000 or above into EMIs. If you wish to avail this feature at the time of transaction, then you can opt for the ‘Instant EMI’ option. Some brand products also allow the option of ‘No or Low Cost EMI’. With flexible tenures of 3, 6, 9, 12, 18 and 24 months, which you can choose from depending upon your preference, this instant EMI feature comes without any additional documentation and at a processing fee of Rs. 199+GST.
AU Rewardz: The bank has its own loyalty rewards program called AU Rewardz. This program allows AU card users to earn reward points every time they use their card to make any purchase or make payments online as well as offline.
The accrued reward points can later be redeemed against the products and services listed in the rewards catalogue which includes movie tickets, travel bookings, brand vouchers and other merchandise.
Device Protection Plan: This free protection plan helps AU credit cardholders with the repair cost of their electronics. Under this plan, you get 1-year protection against screen damage for your mobile phones and tablets. In addition to this, you also get free 1-year extended insurance cover on a variety of white goods.
| Fee Type | Amount |
|---|---|
| Joining/ Annual Fee | Depends on the AU credit card variant |
| Interest Charges on Revolving Credit | Zenith Plus: 1.99% p.m. (23.88% p.a.) ABC Biz: 3.69% p.m. (44.28% p.a.) All other AU retail credit cards: 3.75% p.m. (45% p.a.) |
| Late Payment Charges | On outstanding balance of – Up to Rs. 100: Nil Above Rs. 100 and up to Rs. 500: Rs. 100 Above Rs. 500 and up to Rs. 5,000: Rs. 600 Above Rs. 5,000 and up to Rs. 10,000: Rs. 700 Above Rs. 10,000 and up to Rs. 20,000: Rs. 800 Above Rs. 20,000 and up to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300 |
You can apply for the top AU credit card online through Paisabazaar via a completely digital process. Follow the steps given below:
Step 1: to go to the form and enter your mobile number to begin the online application process.
Step 2: Check and compare the pre-qualified best credit card offers that you are eligible for to select the best suited one for you.
Step 3: Complete the application process for your preferred card by filling out the detailed form and provide the required documents.
If you are unable to view the credit card offer of your choice on our platform, you may apply directly on the respective bank’s website.
Q. Can i get AU Lifetime free credit card
A. Most AU Credit Cards are not free of cost. All AU credit cards, except the base version of AU LIT credit card, come with an annual fee, depending on the card variant. However, the fee amount can be waived off if the cardholder spends a specific amount in the calendar year.
Q. What are the charges for AU Credit Cards?
A. The bank charges its credit cardholders with various types of fees, such as annual fees, renewal fees, cash advance charges, cash withdrawal charges, late payment fees, and others depending on the card usage, for providing a range of services and benefits.
Q. I have misplaced my AU Credit Card and I am not the primary cardholder. Will I be eligible for card liability cover?
A. No, only the primary credit cardholders are covered under the insurance benefit in case the AU card is lost, stolen or misplaced.
Q. I have an AU Altura Credit Card. Will my annual fee be waived off in the second year?
A. Yes, your AU Credit Card annual fee can be waived off from second year onwards if you make retail spends worth at least Rs. 40,000 in the previous card anniversary year.
Q. Does AU Small Finance Bank hold the right to accept or decline credit card applications?
A. Yes, AU Small Finance Bank holds the right to accept or decline your credit card application as per your eligibility and credit history.