An AU credit card is a type of credit card that is issued by an Australian bank or financial institution. AU credit cards come in different types, including low-rate cards, rewards cards, and premium cards. They offer a range of features, such as balance transfers, interest-free periods, and cashback rewards. Some AU credit cards may also have annual fees, late payment fees, and other charges, so it’s important to read the fine print and understand the terms and conditions before applying for a credit card.
AU Bank has a total of 3,57,802 active outstanding credit cards in the country. This year, AU Bank has come up with a really great initiative to offer upgraded credit cards not only to AU Bank customers but to others as well. The card issuer has launched the SwipeUp platform where you can get upgraded credit cards with a better credit limit, better rewards, and more benefits. Further in this article, we will discuss in detail the credit cards that AU Bank has issued and then you can find the best one for yourself:
AU Bank Altura Credit Card Review
Credit cards have become an essential part of our lives as they provide us with a convenient and secure way to make transactions. With a plethora of options available in the market, choosing the right credit card can be a daunting task. In this article, we will review the AU Bank Altura Credit Card and see if it is worth considering.
AU Credit Cards Benefits
Though the number of credit cards in the AU Bank’s portfolio is lesser as compared to other major card issuers, lots of people have found the best card for themselves out of these cards only. Different credit cards may have different features and advantages, but all these cards are definitely among the most popular ones in the market. The below-mentioned are some general benefits that the cardholders will get with almost all AU Bank Credit Cards:
- Welcome Benefits: Welcome benefits are offered to the cardholders while joining the card membership. You will most probably get the welcome privileges after paying the joining fee.
- Rewards: Different types of rewards might be offered with different AU Bank Credit Cards and the reward rates can also vary according to categories.
- Travel Benefits: The cardholder can also get some exclusive travel benefits, such as complimentary lounge access, discounts on travel-related bookings, priority pass membership, and much more.
- Movie & Dining Benefits: Some of the AU Bank Cards may also offer exciting offers and deals on dining & movies, and are extremely beneficial for people who love spending on these things.
- Other Benefits: Other types of benefits that the AU Bank Credit Cardholders might get are a fuel surcharge waiver of 1%, limited period offers, insurance covers, zero liability protection against lost cards, etc.
- Interest-Free Credit Period: The card provides an interest-free credit period of up to 50 days, giving you enough time to repay your outstanding balance.
- Contactless Payments
The card is enabled with contactless technology, allowing you to make quick and secure payments by simply tapping the card on the terminal. - Easy EMI Options: The card allows you to convert your purchases into easy EMIs, making it easier for you to manage your finances.
- Global Acceptance: The AU Bank Altura Credit Card is accepted globally, allowing you to make transactions at millions of merchants worldwide.
- Zero Liability: In case of any unauthorized transactions on your card, you will not be liable for any fraudulent charges.
AU Bank offers various credit cards based on spending habits and lifestyle. From the plethora of AU Bank credit cards, you can choose the one that is best suited for you. Here is the list of all AU Bank credit cards and their main features.
Top AU Bank Credit Cards in India 2023
| Type of card | Joining Fee |
|---|---|
| AU Bank Zenith Credit Card | Nil |
| AU Bank Vetta Credit Card | Nil |
| AU Bank Altura Plus Credit Card | Nil |
| AU Bank LIT Credit Card | Nil |
Features of AU Bank Credit Cards
- You get airport and lounge access with a few AU Bank credit cards
- There is no joining fee for the credit cards.
- The interest ranges between 1.99% to 3.49%.
- These credit cards offer spend-based milestone benefits.
Types of AU Bank Credit Cards & Features
AU Bank Zenith Credit Card Features
A super-premium credit card by AU Bank, the AU Bank Zenith Credit Card is placed at a joining fee of Rs. 7,999 and welcomes its customers with several exciting benefits, including complimentary Zomato pro membership. With this card, for every Rs. 100 that cardholders spend using this card, they can earn up to 20 Reward Points these points can be redeemed against an array of options available on the bank’s rewards portal. To know some of the key benefits of this card, refer to the following points:
- Welcome gift voucher worth Rs. 1,000 on the first POs transaction.
- Complimentary Zomato pro membership on 5 successful retail transactions.
- For every Rs. 100 spent using this credit card, you will earn up to 20 Reward Points.
- Complimentary Taj Epicure membership on achieving the milestone spend.
- Complimentary domestic as well as international lounge access.
AU Bank Vetta Credit Card Features
The AU bank Vetta Credit Card is placed at a joining fee of Rs. 2,999, which can be waived depending on the basis of the amount that you spend within the first 90 days of the card issuance date. Along with providing reward points on almost all your spending, this card also offers exclusive welcome benefits, travel benefits, milestone benefits, and much more. Following are some of its key features:
- Welcome gift voucher worth Rs. 2,000 on spending Rs. 30,000 or more within the first 60 days.
- For every Rs. 100 spent using your credit card, cardholders will get up to 10 Reward Points.
- Complimentary access to international as well as domestic airport lounges.
- Complimentary Zomato pro membership on spending Rs. 50,000 or more in a calendar month.
- Insurance benefits worth up to Rs. 50 lakhs.
AU Bank Altura Plus Credit Card Features
Au Bank Altura Plus Credit Card is a basic credit card by the bank that is placed at a nominal joining fee of Rs. 499. It welcomes its customers with an exclusive gift voucher. Moreover, you can earn reward points as well as cashback on your transactions using it. Moreover, the card also has exciting travel and milestone benefits. You can refer to the below-mention points to know some of its key features:
- If you spend an amount exceeding Rs. 10,000 using your credit card in the first 60 days of the card issuance date, you will get a gift voucher worth Rs. 500 as a welcome benefit.
- Get a cashback of 1.5% on POS transactions.
- For every Rs. 100 spent using this card, you will get up to 2 Reward Points.
- Earn 500 bonus Reward points each quarter on achieving the spending milestone.
- Get complimentary railway lounge access.
AU Bank Altura Credit Card Features
An entry-level and pocket-friendly credit card by the AU Bank, the AU Bank Altura Credit Card is placed at an affordable joining fee of Rs. 199 and earns you cash back on all your purchases. Some of the key features of this card include:
- Get a 5% cashback on all spends worth exceeding Rs. 2,500 within the first 60 days.
- Get a cashback of up to 2% on all your spending.
- Get Rs. 50 cashback every statement cycle on achieving the spend milestone.
- Get complimentary access to the railway lounge every quarter.
AU Bank LIT Credit Card Features
The AU Bank also offers a customizable LIT Credit Card that provides you with the flexibility to choose rewards and benefits that you want to get with your card. The card offers great benefits across different categories, including rewards, travel, entertainment, etc. The following are some of its key features:
- The base reward rate is 1 reward Point on every spend of Rs. 100. However, cardholders can choose to earn up to 0x Rewards or additional cashback.
- 4 free domestic lounge access every quarter, i.e. 16 per year.
- 3 months of complimentary Membership of Zee5 and Amazon Prime.
- 1% fuel surcharge waiver.
Comparison of Top AU Bank Credit Cards
| Type of card | Annual fee | Joining Fee |
|---|---|---|
| AU Bank Zenith Credit Card | Rs.7,999 | Nil |
| AU Bank Vetta Credit Card | Rs.2,999 | Nil |
| AU Bank Altura Plus Credit Card | Rs.499 | Nil |
| AU Bank Altura Credit Card | Rs.299 | Nil |
| AU Bank LIT Credit Card | Nil |
Fees and Charges of AU Bank Credit Cards
| Type of charge | Fee | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fee for an add-on card | NIL | ||||||||||||
| Revolving credit charge |
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| Cash advance fee | 2.5% of the amount withdrawn, subject to a minimum of Rs.100 | ||||||||||||
| Limit for cash advance |
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| Minimum repayment amount | 5% or minimum Rs.100 | ||||||||||||
| Overlimit charges | 2.5% of over limit amount, subject to a minimum of Rs.500 | ||||||||||||
| Fee for redeeming reward points | NIL | ||||||||||||
| Cash processing fee | NIL | ||||||||||||
| Fee for processing an outstation cheque | Rs. 25 | ||||||||||||
| Processing fee for a balance transfer |
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| Credit card validation fee at lounges | Rs.2 | ||||||||||||
| EMI conversion fee |
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| The charge for Priority Pass Lounge | $27 plus taxes per person for every visit | ||||||||||||
| Foreign currency mark-up fee |
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| Fee for duplicate physical statement request | Rs.100 | ||||||||||||
| Fee for reissue of lost/damaged/stolen credit card | Rs.100 | ||||||||||||
| Goods and Services Tax (GST) | 18% | ||||||||||||
| Late Payment Charges |
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AU Credit Cards Rewards & Cashback
All four credit cards offered by AU Bank come with different reward rates and provide different types of rewards, such as reward points, cashback, etc. Moreover, the reward rate can also be different on spending on different categories with the same card. To understand the rewards and cashback benefits of all the AU Bank Credit Cards, refer to the following table:
| Credit Card’s name | Rewards/Cashback |
| AU Bank Zenith Credit Card |
|
| AU Bank Vetta Credit Card |
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| AU Bank Altura Plus Credit Card |
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| AU Bank Altura Credit Card |
|
| AU Bank LIT Credit Card |
|
How to Earn and Redeem Reward Points
You can redeem the reward points earned on the AU Bank credit cards for:
- Merchandise on the AU Bank catalog
- E-vouchers of partner brands
- Flight ticket bookings
- Hotel room bookings
- Mobile/Direct-to-home (DTH) recharges
Reward Redemption
The reward points that credit cardholders earn while they continue to spend AU Bank credit cards are redeemable at the AU Rewardz portal at a rate of 1 RP = Re. 0.25. The reward points can be redeemed against the following categories:
-flight/hotel bookings.
-gift vouchers.
-mobile/DTH recharges.
-merchandise.
Annual Fee
An important element that differs from one card to the other is the annual fee. Individuals having a high annual income should apply for premium cards that are placed at a higher annual fee, and those who have an average income should opt for a card with a low annual fee. The annual fee of all the AU Bank Credit Cards is given below in the table:
| Credit Card’s name | Joining Fee | Joining Fee Waiver Condition (spends required within first 90 days) | Annual fee | Annual Fee Waiver Condition (spends required in an anniversary year) |
| AU Bank Zenith Credit Card | Rs. 7,999 | Rs. 1.25 lakhs | Rs. 7,999 | Rs. 5 lakhs |
| AU Bank Vetta Credit Card | Rs. 2,999 | Rs. 40,000 | Rs. 2,999 | Rs. 1.5 lakhs |
| AU Bank Altura Plus Credit Card | Rs. 499 | Rs. 20,000 or more | Rs. 499 | Rs. 80,000 or more |
| AU Bank Altura Credit Card | Rs. 199 | Rs. 10,000 or more | Rs. 199 | Rs. 40,000 or more |
| AU Bank LIT Credit Card | Nil | NA | Nil | NA |
Other Fees and Charges
Apart from this, there are many other charges such as interest, cash withdrawal fees, forex fees, over-limit fee, late payment charges, and many more, which are associated with AU Bank Cards. A few key fees and charges are given below in the table:
| Interest Rate | 1.99% per month for Zenith, 2.99% per month for Vetta, and 3.49% per month on other Credit Cards. |
| Cash Advance Fee | 2.5% of the withdrawn amount subject to a minimum of Rs. 100 |
| Forex Markup Fee | 1.99% on Zenith, 2.99% on Vetta, and 3.49% on other cards. |
AU Bank Credit Cards Eligibility Criteria
The following are the basic eligibility criteria that need to be fulfilled to get an AU bank credit card:
- The primary applicant should be of 21 years or more in age.
- The add-on cardholder should be more than 18 years of age.
- The applicant should be an Indian resident.
- The applicant should have a stable source of income.
Documents Required
The applicants will also need a few documents while applying for the AU Bank Credit Cards. Following is the list of all documents that are required to apply for AU Bank Credit Card:
- ID Proof: Aadhar card, Passport, voter card, PAN card, driving license, etc.
- Address Proof: Voter Card, Aadhar Card, passport, electricity/telephone bill, driving license, etc.
- Income Proof: Salary Slip or Audited ITR.
Eligibility Criteria to Apply for AU Bank Credit Cards
- The add-on cardholder has to be more than 18 years old.
- As the primary cardholder, your age has to be between 21 years and 60 years.
- You have to be a resident of India to apply for a credit card.
How to Apply for an AU Bank Credit Card Online
Following are the steps to follow in order to apply for an AU Small Finance Bank Credit Card:
- Visit AU Bank’s official website.
- Under the section ‘cards,’ choose ‘Credit Cards.’
- Select the card you want to apply for and click on view details.
- Click on ‘Apply now.’
- Punch in your mobile number and the OTP for verification.
- Click on Proceed further once you have filled in all the required details.
Application Status
The individuals who have already applied for an AU Bank Credit Card can be tracked by getting in touch with customer care or by paying a visit to the nearest bank branch. They might need a few details like their application number, registered mobile number, PAN Card number, etc, for the same.
How To Activate AU Bank Credit Cards?
There are several ways in which you can activate your AU Bank Credit Card after receiving it. You can do the same using any one of the following methods:
- Login to your AU Bank internet banking account and under the Credit Card Management Tab, you will find an option to activate the credit card.
- You can also contact the AU Bank customer care number and request them to guide you through the activation process.
- If you find yourself unable to activate your card using both of the above methods, you can also visit your nearest AU Bank branch and the bank official will help you get your card activated.
AU Bank SwipeUp Platform
AU Bank, at the beginning of the year 2023, came up with the SwipeUp platform, which is a separate portal to offer upgrade credit cards. Not only AU Bank cardholders, but everyone can get an upgraded credit card there just by providing the information of their existing credit card. Currently, the card issuer is offering three credit cards via the AU Bank’s SwipeUp portal, and all these cards are lifetime free with some amazing benefits. The cards are listed below with their key features:
AU Bank Xcite Credit Card
The Xcite Credit Card is the most basic one out of the three cards and it comes with some decent benefits across different categories. You get a reward rate of up to 15 Reward Points on every spend of Rs. 100 and these rewards are redeemable against a variety of options at a rate of 1 RP = Re. 0.25. Apart from this, you get free railway lounge access, purchase protection cover, exciting discounts on dining, and many more benefits.
AU Bank Xcite Ace Credit Card
The Xcite Ace Credit Card is a cashback card that offers up to 3% cash back on the basis of your total monthly spending. Apart from the cashback, you get free airport as well as railway lounge access every year. talking about its other advantages, you get complimentary insurance coverage worth up to Rs. 50 lakhs, purchase protection cover, 1% fuel surcharge waiver, and many more.
AU Bank Xcite Ultra Credit Card
The Xcite Ultra Credit Card is the most premium card currently being offered on the SwipeUp platform. This card offers you up to 8 Reward Points on domestic purchases and up to 12 Reward Points on every international transaction of Rs. 100. Moreover, you can earn up to 8,000 bonus reward points every year on achieving the spending milestone. Apart from this, you get complimentary railway and airport lounge access for primary as well as add-on cardholders.
How to Contact AU Bank Credit Card Customer Care
In case of any doubts or queries related to your AU Bank Credit Cards, the bank’s customer care can be contacted through the following details:
- In case of any emergency assistance that you need, you can contact the AU Bank Credit Card customer care via call on their 24*7 toll-free helpline number 1800 1200 1500.
- The cardholders can also contact their card issuer via mail at [email protected].
How to Earn and Redeem Reward Points
You can redeem the reward points earned on the AU Bank credit cards for:
- Merchandise on the AU Bank catalog
- E-vouchers of partner brands
- Flight ticket bookings
- Hotel room bookings
- Mobile/Direct-to-home (DTH) recharges
How to Close Your AU Bank Credit Card
You can contact the AU Bank credit card customer care number and/or send a letter of written communication and ask the bank to close your credit card.
FAQs on AU Bank Zenith Credit Card
- Will add-on credit cardholders also get airport and railway lounge benefits? Yes, add-on cardholders will also get airport and railway lounge benefits.
- How do I reach the AU Bank concierge desk? You can reach the AU Bank concierge desk by calling the toll-free number, 18002100298. You can also call 022-42320298 to reach the concierge desk.
- Which e-mail ID can I write to for queries regarding the AU Bank Zenith Credit Card? You can write to [email protected] and clarify your doubts about the AU Bank Zenith Credit Card.
- Can credit card be used for contactless transactions? You can use the AU Bank Zenith Credit Card to make secure and contactless payments. This can be done by tapping your credit card at Point-of-Sale (POS) terminals of partner merchants without having to enter your PIN. Please note that contactless payments can be made for transactions up to Rs.5,000.
- What is the interest-free period for the AU Bank Zenith Credit Card? The interest-free period is up to 50 days.
- How do I claim the insurance benefits available with the credit card? To claim the insurance benefits, you can call AU Bank customer care at 180012001500.
conclusion
AU credit cards are a popular way to manage finances and make purchases in India. They offer many benefits, including convenience, rewards, and the ability to build a good credit history. However, it’s important to use credit cards responsibly and understand the risks involved. Before applying for an AU credit card, be sure to read the fine print, compare different options, and consider your financial situation carefully.