Complete catalogue of all 4 AU Small Finance Bank credit cards with MITC verified data
Total
4
Cards
Zero Fee
3
Lifetime Free
4 cards found
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Choose and customize cashback or lounge features on demand
0% Forex markup + zero payment gateway charges on train tickets
1.5% Cashback on POS merchant transactions
| Feature | AU LIT | AU Ixigo | AU Altura Plus |
|---|---|---|---|
| CardCheck Score | 87/100 | 81/100 | 60/100 |
| Rating Verdict | Excellent | Excellent | Good |
| Primary Benefit | customizable rewards, cashback seekers, lounge and OTT feature users | ixigo travel platform users — ixigo Money credits + 2 lounge/quarter | AU entry-level card — milestone cashback on ₹10K, ₹20K, ₹40K monthly spends |
| Annual Fee | Free | Free | ₹499 |
| Spend Fee Waiver | — | ₹1 Lakh Spend | ₹60,000 Spend |
| Lounge Access | 8 Domestic / Year | 8 Domestic / Year | — |
| Min Salary Target | — | — | — |
Side-by-side head-to-head match-ups based on real user spend patterns
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 1200 1200
Forex Markup
3.49% – 3.50%
Points Expiry
2 Years
Min CIBIL Target
750+
AU Small Finance Bank offers a diverse portfolio of credit cards in India covering cashback, travel, rewards, and zero-annual-fee options. When choosing a card, compare the annual fee against your expected yearly spend to ensure fee waivers are achievable.
Evaluate cards based on primary benefits such as airport lounge access, accelerated reward points on online shopping, fuel surcharge waivers, and RuPay UPI support for seamless mobile payments.
All AU Small Finance Bank credit card details listed on CardCheck are verified directly against published Most Important Terms & Conditions (MITC) documents, ensuring 100% accurate fee structures and reward rules.
Verified answers regarding annual fees, lounge access, rewards, and eligibility
AU LIT is India's first customizable credit card with zero annual fee. Cardholders can activate or deactivate feature features (like 5% cashback or lounge access) for 30–90 day periods.
Yes. AU LIT, AU Altura, and Ixigo AU Credit Cards are popular zero-annual-fee options offered by AU Small Finance Bank.
AU Zenith and Ixigo AU Credit Card offer complimentary airport lounge access across domestic and international terminals.
AU Bank credit cards require applicants to be between 21 and 60 years old with a minimum monthly salary of ₹25,000 or a valid CIBIL score of 750+.
Ixigo AU Credit Card offers zero forex markup, zero payment gateway charges on train bookings, and complimentary lounge access.
