AU Small Finance Bank Credit Cards
Complete catalogue of all 5 AU Small Finance Bank credit cards with MITC verified data
Total
5
Cards
Zero Fee
3
Lifetime Free
AU Small Finance Bank 4-Pillar Issuer Benchmark
5 cards found
Top Recommended AU Small Finance Bank Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
AU LIT
Choose and customize cashback or lounge features on demand
AU ixigo
0% Forex markup + zero payment gateway charges on train tickets
AU Altura Plus
1.5% Cashback on POS merchant transactions
| Feature | AU LIT | AU ixigo | AU Altura Plus |
|---|---|---|---|
| CardCheck Score | 76/100 | 81/100 | 64/100 |
| Rating Verdict | Very Good | 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 | — | — | ₹80,000 Spend |
| Lounge Access | — | 8 Domestic / Year | — |
| Min Salary Target | — | ₹20,000 / month | — |
2026 AU Small Finance Bank Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning AU Small Finance Bank card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Best Overall & Flagship | AU KOSMO Credit Card | Milestone Reward Points | Lifetime Free (₹0)Zero Fee Forever | Top rated card by AU Small Finance Bank with competitive reward rates and benefits. |
| Everyday Value & Cashback | AU Zenith Credit Card | Milestone Reward Points | ₹7,999 + GSTWaived at ₹5 Lakh spend | The AU Zenith Credit Card is a premium lifestyle card offering accelerated rewards on dining, groceries, and international spends, along with complimentary airport lounge access, concierge services, and low forex markup. |
| Starter / Low Annual Fee | AU Altura Plus Credit Card | Milestone Reward Points | ₹499 + GSTWaived at ₹80,000 spend | The AU Altura Plus Credit Card is AU Small Finance Bank's entry-level rewards card with milestone-based cashback. Earn ₹150 cashback on reaching ₹10,000 monthly spend, ₹250 on ₹20,000, and ₹500 on ₹40,000. Also provides 1.5% cashback on fuel transactions and 1 AU Reward Point per ₹100 on all other spends. The ₹499 annual fee is waived on ₹60,000 annual spend. |
| Travel & Lifestyle Perks | AU ixigo Credit Card | Milestone Reward Points | Lifetime Free (₹0)Zero Fee Forever | The AU ixigo Credit Card is a co-branded travel card for frequent ixigo users, offering 5 ixigo Money credits per ₹100 on ixigo platform bookings (flights, hotels, trains), and 1 ixigo Money per ₹100 on all other spends. ixigo Money can be redeemed at ₹1 per credit for travel bookings on ixigo. Includes 2 complimentary domestic lounge visits per quarter. Annual fee of ₹999 waived on ₹1 lakh spend. |
Popular comparisons for AU Small Finance Bank Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
AU Small Finance Bank Specifications & Essential Data (2026)
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 1200 1200
Forex Markup
0% – 3.49%
Points Expiry
2 Years
Min CIBIL Target
750+
AU Small Finance Bank Key Takeaways & Portfolio Highlights
How to Choose the Best AU Small Finance Bank Credit Card in 2026
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.
Frequently asked questions about AU Small Finance Bank credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
What is the AU LIT credit card?
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.
Does AU Small Finance Bank offer zero annual fee credit cards?
Yes. AU LIT, AU Altura, and Ixigo AU Credit Cards are popular zero-annual-fee options offered by AU Small Finance Bank.
Which AU credit card offers airport lounge access?
AU Zenith and Ixigo AU Credit Card offer complimentary airport lounge access across domestic and international terminals.
What is the eligibility for AU Bank credit cards?
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+.
What is the Ixigo AU credit card benefit?
Ixigo AU Credit Card offers zero forex markup, zero payment gateway charges on train bookings, and complimentary lounge access.