A variety of incentives and features are included with the AU Credit Card that will offer you an incomparable buying experience. Selecting AU Credit Cards opens up a world of exciting deals and lifestyle pleasures to you.
AU Bank acknowledges that you and your spending behaviors are different. As a result, they have carefully created Credit Cards to satisfy your different requirements and make sure each component associated with handling a Credit Card is managed.
Qualifications for Credit Cards from AU Bank
The qualifying requirements for various AU Bank credit cards vary. Although greater income levels are necessary for premium credit cards, young people without a source of income can nevertheless apply for entry-level credit cards. Cardholders of the ixigo AU Credit Card must register on the ixigo website. Listed below are some of the most popular requirements for AU Bank credit card eligibility.
- The primary cardholders must be in the age range of 21 to 60.
- The add-on cardholder must be at least eighteen years old.
- The applicant has to be an Indian resident.
- The candidate needs a reliable source of income.
- A credit score of at least 750.
Documentation Requirements
- A PAN card is a prerequisite for applying for a credit card.
- You may also be asked to submit proof of income; even if you want to enhance your credit limit, you will need to submit your most recent pay stub.
- You will also be asked to fill out an application containing your employment information.
How Can I Activate my Credit Card from AU?
Activating an AU credit card is a simple and quick process. Take these actions to activate your card:
- Go to aubank.in, then click cards.
- Go to Credit Cards.
- Go to the Credit Card Services section of the Credit Card page.
- Navigate to “Click Here” under “Activate Credit Card.”
- Put Credit Card Number.
- Here, to verify, enter OTP.
Benefits & Features of AU Credit Cards
- India’s first credit card that can be customised.
- The ability to choose features depending on lifestyle and turn them on and off as needed.
- Get an extra 5 per cent cashback on eating, travel, and grocery purchases in addition to 1 reward point for every 100 rupees spent.
- With the LIT Credit Card, receive four complimentary visits every quarter.
- Get a free three-month subscription to Cult.fit, ZEE5, and Amazon Prime.
Zenith Credit Card
- Get free admission to both domestic and international airport lounges. Access the Railway Lounge at a few Indian railway stations as well.
- During the first sixty days from the date of issuance, spend INR one lakh to receive 10,000 additional Reward Points.
Vetta Credit Card
- Free access to domestic and international airport lounges is provided. Additionally, get access to the Railway Lounge at a few Indian train stations.
- A 1% fuel surcharge waiver is available for purchases made between INR 400 and INR 5,000.
Altura Plus Credit Card
- At train stations in a few chosen cities, you’ll get two complimentary lounge access every quarter.
- Receive a 1% fuel surcharge waiver.
- In addition to receiving 2.x Reward Points when you use this credit card online, you also receive 1.5% cashback on POS retail purchases.
Altura Credit Card
- At train stations in a few chosen cities, you’ll get two complimentary lounge access every quarter.
- After completing at least INR 10,000 in retail purchases across all statement cycles, get an extra INR 50 in cashback.
How Can You Raise Your Credit Card Eligibility with AU Bank?
You may increase your credit eligibility in a variety of ways, some of which are listed below:
- Boost Credit Score: By raising your credit score, you can increase your eligibility for an AU Bank credit card. Having said that, you should pay off your debt in order to raise your credit score. If you don’t have any debt or credit history, you may open an account for a secured or entry-level credit card to begin building credit.
- Paying Your Bills on Time: The likelihood that your AU Bank credit card application will be accepted is increased if you have no unpaid balances.
- Lowering Debt-to-Income Ratio: Getting a credit card might be made easier if you have a steady income and fewer amounts of debt.
Why Should You Get a Credit Card from AU Bank?
Here are a few of the numerous benefits of obtaining an AU Bank credit card:
- Numerous travel, retail, milestone, and lifestyle rewards are available with AU Bank.
- When you use a few AU Bank credit cards, you also receive cashback advantages.
- AU Bank credit cards come with expedited reward points.
- With AU Bank credit cards, gadget insurance is free.
Check Other Bank Credit Card Eligibility
FAQs:
Q1. Are there any contactless credit cards available from AU Bank?
Ans 1. AU Bank does really provide contactless credit cards. At partner merchant Point-of-Sale (POS) terminals, you may accomplish this without entering your PIN by just touching your credit card. Please be aware that transactions up to Rs. 5,000 can be performed using contactless payment methods.
Q2. What is the reward point’s validity period?
Ans 2. Within 24 months after the transaction month on the statement, the Reward Points are still valid.
Q3. What are the costs and fees linked to credit cards issued by AU banks?
Ans 3. Depending on the credit card type and its features, there are different fees and charges associated with it, such as yearly fees, joining fees, interest rates, late payment costs, and cash withdrawal penalties. For information on fees and charges, it is essential to study the particular terms and conditions of the card you are interested in.