AU Small Finance Bank Credit Cards June 2024

AU Small Finance Bank Credit Cards Features and Benefits

Benefits offered by AU Small Finance Bank Credit Cards span a number of categories, including retail, entertainment, travel, and lifestyle. Here’s what to anticipate:

1. Welcome Benefits: New members of the AU Bank Credit Card programme receive a number of welcome incentives designed to improve their banking encounters. These perks frequently take the form of extra reward points, cashback deals, restaurant or retail vouchers, or even free subscriptions to elite clubs or businesses. With these rewards, we hope to attract new consumers and make the initial card usage more attractive.

2. Reward/Cashback: To encourage card usage across many expenditure categories, AU Bank Credit Cards provide a wide range of benefits. Every purchase made with a card earns reward points or cashback for the cardholder. Depending on the particular card and spending category, reward rates may change, giving cardholders the flexibility to tailor their benefits to their tastes and way of life.

3.  Dining & Movie Benefits:  AU Bank Credit Cards offer enticing offers and discounts in these categories to appeal to people who want to eat out or watch movies. Special deals like buy one, get one free movie tickets, cashback on food orders, reductions on dining bills at partner restaurants, or free meals and drinks at specific venues are all possible for cardholders. For cardholders and their families, these incentives increase the affordability and enjoyment of eating and entertainment events.

4. Travel Benefits:  AU Bank Credit Cards offer a variety of exclusive travel incentives to regular travellers, improving their entire travel experience. These benefits could be free entry to airport lounges, cashback or savings on airline, hotel, or vehicle rentals, travel insurance, priority pass membership, concierge services, and other travel-related benefits. These perks are meant to increase the ease, convenience, and affordability of travel.

5. Additional Benefits: AU Bank Credit Cardholders are eligible for a number of extra benefits in addition to the core benefits listed above, all of which are intended to improve their overall banking experience.

These benefits might include access to special events or experiences, zero liability protection against unauthorised transactions, comprehensive insurance coverage for travel, health, or purchase protection, exclusive limited-time offers on shopping or entertainment, and more. The cardholder’s financial journey is enhanced by these extra benefits, which also increase their satisfaction with the card.

AU Small Finance Bank Credit Card Rewards and Cashback

The rewards and cashback programmes are particularly attractive to cardholders among the many perks that come with AU Small Finance Bank Credit Cards.  AU Small Finance Bank credit cards provide insight into their operation, advantages, and possible influence on consumer behaviour.

1. Credit Card: AU Bank LIT Credit Card

•  Earn 1 Reward Point for every Rs. 100 spent on shopping.
•  Get 10X or 5X more Reward Points on special purchases.
•  Enjoy extra cashback for specific features.

2. Credit Card: AU Bank Altura Plus Credit Card

• Receive 1.5% cashback on purchases made at stores.
•  Get double Reward Points for shopping online.

3. Credit Card: AU Bank Altura Credit Card

• Get 2% cashback when you buy groceries, pay utility bills, or shop at departmental stores.
• Receive 1% cashback on all other purchases.

4. Credit Card: AU Bank Vetta Credit Card

• Get 10 reward points for every Rs. 100 spent on utility bills.
•  Earn 4 reward points for every Rs. 100 spent at department stores and grocery shops.
•  Receive 2 reward points for every Rs. 100 spent on all other purchases.

5. Credit Card: ixigo AU Credit Card

• Earn 20 Reward Points for booking train tickets on ixigo.
•  Get 10 Reward Points for online purchases and 5 Reward Points for offline shopping.

6. Credit Card: AU Bank Zenith+ Credit Card

• Earn 2 Reward Points for every Rs. 100 spent on travel, dining, and international purchases.

7. Credit Card: AU Bank Zenith Credit Card

•  Get 10 reward points for every Rs. 100 spent at department stores, grocery stores, and on international transactions.
• Receive 5 reward points for every Rs. 100 spent on all other purchases.

How To Earn and Redeem AU Small Finance Bank Credit Card Reward Points?

Every purchase made with an AU Bank credit card earns reward points for the credit cardholder. The points that you have accumulated are actually worth something since you can use the AU Rewardz portal to exchange them for different rewards. One Reward Point (RP) is worth Re. 0.25. Cardholders have access to a wide range of redemption options that provide them with freedom and choice when it comes to using their accrued points.

Generally, the firm that gives out credit cards decides how to handle prize points in their own way. Some banks have a different page where customers can cash in their rewards, while others let them use their online banking. Depending on the card, you can exchange points for things like trips, hotels, gift cards, shopping, and more. You can also use points to lower your amount with some issuers.

When redeeming your AU Small Finance Bank Credit Cards:

• Use your points in a way that gets you the most. For each category, some companies offer the same value, while for each category, they offer a different value. Check these numbers to maximise your rewards.

• If there are any costs for redeeming points, make sure they don’t add up to more than the value of the points you’re using.

• Reward points usually lose their value after a certain amount of time, so make sure you know when they end so you can use them before they do.

To redeem reward points in AU Small Finance Bank Credit Cards, do the following:

1.	Log in to your AU Small Finance Bank Credit Card account.
2.	Go to the ‘Rewards’ section.
3.	There, you can select the redemption option of your choice. Make sure to compare the value points of all rewards as they differ from each other to get the most out of them.

AU Small Finance Bank Credit Card Eligibility Criteria

Here are the fundamental requirements one must meet to qualify for an AU Bank credit card:

The eligibility criteria include:

• The main applicant must be at least 21 years old.
• Add-on cardholders must be over 18 years of age.
• Applicants must be residents of India.
• A steady income source is necessary for eligibility.

Documents Required

Generally speaking, the following paperwork is required when applying for an AU Bank credit card:

1. PAN Card: To validate your identity and financial data, credit card applicants must have a valid PAN card.

2. Proof of Income: In addition to your PAN card, you must provide evidence of your income. This covers records, including bank statements, income tax returns, and pay stubs. Details about recent income may be required, even for requests for limit enhancement.

3. Employment Detail: You must complete the application form by providing your employment details. This contains information like your job title, monthly pay, and the name of your employer.

AU Small Finance Bank Credit Card Annual Fees and Charges

The annual fee is a significant factor that varies among different credit cards. Those with higher incomes may prefer premium cards with higher annual fees, while those with average incomes might opt for cards with lower annual fees. Below is a breakdown of the annual fees for all AU Bank Credit Cards:

1. AU Bank LIT Credit Card:

Joining Fee:	Nil
Annual fee:	Nil

2. AU Bank Altura Plus Credit Card:

Joining Fee:	Nil
Annual fee:	Nil

3. ixigo AU Credit Card:

Joining Fee:	Rs. 999 + GST
Annual Fee:	Rs. 999 + GST

4. AU Bank Vetta Credit Card:

Joining Fee:	Rs. 2,999 + GST
Annual Fee:	Rs. 2,999 + GST

5. Amazon Pay ICICI Bank Credit Card:

Joining Fee:	Rs. 4,999 + GST
Annual Fee:	Rs. 4,999 + GST

6. AU Bank InstaPay Credit Card:

Joining Fee:	Nil
Annual Fee:	Nil

7. Aditya Birla AU Bank Credit Cards:

Joining Fee:	Nil
Annual Fee:	Nil

8. AU Bank Zenith Credit Card:

Joining Fee:	Rs. 7,999 + GST
Annual fee:	Rs. 7,999 + GST

Other Fees & Charges

1. Interest rates: 1.99% per month for Zenith and Zenith+, 3.49% per month for Vetta and SwipeUp Cards, and 3.59% per month for Altura, Altura Plus, LIT, Business Cashback, InstaPay, ABC FLEX, ABC NXT, ABC PRO, and ixigo AU.

2. Cash advance fee: 2.5% of the withdrawn amount subject to a minimum of ₹100 (zero for Zenith+).

3. Forex markup fee: 0.99% for Zenith+, 1.99% on Zenith, ABC PRO & ixigo AU, 2.99% on Vetta, and 3.49% on other cards.

How To Activate AU Small Finance Bank Credit Cards?

There are several ways to quickly activate your AU Bank credit card after you’ve received it:

Net Banking:

New users of the bank’s credit card can follow these steps to activate their cards:

• Step 1: Log in to Net Banking with your ID and password
• Step 2: Click on the ‘Credit Cards’ section in the menu.
• Step 3: Enter your credit card details and registered mobile number.
• Step 4: Enter the OTP sent to your registered number to verify your identity.
• Step 5: Set up your Net Banking credentials.

After completing these steps, you will be able to generate a PIN to activate your credit card.

Mobile Banking:

Another easy way to activate your card is by using your mobile phone. Follow these steps to activate AU credit cards through the app:

• Step 1: Install the AU Bank app and log in with your ID and password.
• Step 2: Go to ‘Services’ and select ‘Credit Card PIN Services.’
• Step 3: Click on ‘Credit Card PIN Generation’ and choose the card you want to activate.
• Step 4: Enter your preferred 4-digit PIN.
• Step 5: You will receive an OTP on your phone. Enter it and submit it

AU Small Finance Bank Credit Cards Login/Net Banking

To meet the varied demands of its clients, AU Bank offers a broad range of financial options, including credit cards, for both personal and business needs. Customers may easily manage their credit cards, quickly pay bills, and take advantage of a number of other exciting features related to their AU Bank credit cards using the bank’s secure online banking platform.

How Do I Sign Up for Netbanking with an AU Bank Credit Card?

• Step 1 : Go to the online banking page of AU Bank
• Step 2 : Select the desired option
• Step 3 : Enter your Customer ID and any other necessary information.
• Step 4 : To begin the registration procedure, click on Proceed.

What is the AU Bank Credit Card Netbanking Login Process?

• Step 1 : Click on Login after visiting the AU Bank Net Banking page.
• Step 2: Among the possibilities, Select AU Bank 0101 NetBanking.
• Step 3 : You’ll be taken to the login page after this.
• Step 4 : Input your password, username, and captcha.
• Step 5 : To utilise all of the features and advantages of AU Bank Credit Card online banking, Click on Login.
• Step 6 : Log in now to stay updated on your transactions, payments, and rewards.

Activation Page:

• Step 1 : Visit the Card Activation Page.
• Step 2 : Enter your 16-digit credit card number.
• Step 3 : Receive an OTP on your registered mobile number.
• Step 4 : Authenticate yourself with the OTP.

How To Compare AU Small Finance Bank Credit Cards & Choose The Best One?

In today’s society, credit cards are essential due to their ease, security, and various advantages, such as rewards, cashback, and travel bonuses. But it might be difficult to choose the best solution when there are so many to choose from. To begin, classify your expenses and gain an insight into your spending patterns.

Are you a foodie, a traveller, or a regular supermarket shopper? Finding a credit card with the most advantages in those areas will be made easier if you can pinpoint where your money is going. Next, think about your individual pastimes and interests. Whether you enjoy dining out, shopping, or travelling, there is a credit card with benefits catered to your interests.

Examine yearly costs to be sure the advantages outweigh the expenses. Even though some credit cards have high fees, the benefits they provide, like free hotel stays or flights, might make up for the cost. Select a credit card that optimises your benefits, whether they are in the form of cashback, travel rewards, dining privileges, or retail discounts. You may be able to save money if you periodically carry a balance on a card with a lower interest rate.

Watch for promotional offers that can benefit large purchases or balance transfers, such as 0% APR periods. Remember, your credit score influences the cards you qualify for.

If you need to raise your credit score, apply for a secured credit card first, then one that fits your interests. You may maximise the value of your selected card by setting priorities for your needs, assessing costs, and going over rewards.

Conclusion

In conclusion, AU Small Finance Bank Credit Cards provide a variety of features and perks designed to satisfy a wide range of consumer demands. People can choose a card that fits their lifestyle and budgetary objectives from entry-level to premium categories. AU Bank Credit Cards offer a range of benefits to users, including the ability to accrue reward points, gain access to special travel benefits, and take advantage of cashback incentives.

Additionally, consumers may easily apply for and manage their credit cards from the comfort of their homes thanks to the ease of online application and management. Users may easily track transactions, pay bills, and access a variety of additional services at their fingertips using secure online banking capabilities.

FAQs