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AU Bank Credit Card
From grocery shopping to international travel, AU offers a world of lifestyle benefits and cash-back rewards to help take care of your day-to-day spending.Powered By
AU Bank Credit Card
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Here are a few factors
| Location | Pan India as per Pin code |
| CIBIL Score | 720+ |
| Product | Fresh Card & Card to Card |
| Card Limit & Vintage in case of Card to Card Product | 6
Month old Card with 50k credit limit with 30% available limit |
| TAT | 3 to 4 days |
| Applicant | Any Self Employed or Salaried Individual |
| Applicant Age | Salaried
23-60 Self employed 25-65 |
| Minimum Income | 1.Salaried-
30K Gross Monthly Salary 2. Self Employed-5 Lac ITR |
| Type of Cards | 5
Types of different Cards 1. Altura 2. Altura+ 3. Vetta 4. Zenith 5. LIT |
| Most Popular Card | Zenith |
| Annual Fees | 1. Altura-199, 2. Altura+-499, 3. Vetta-2999, 4. Zenith-7599, 5. LIT-Life Time Free |
| Reward Point | 1. Altura- (i) 2 complimentary access at selected Railway lounge (ii) 7% Cash back as an activation offer & 2% cash back on spending (iii) Additional Cash back of Rs.50 on retail spending 10000 during statement cycle2. Altura+ - (i) 1% Fuel Surcharge waiver (ii) 1.50% Cash back on POS retail transactions & 2X Reward Point on Online Transactions (iii) 2 complimentary access at Selected Railway lounge 3. Vetta- (i) Complimentary access at selected Railway Lounge, domestic & international lounge (ii) 1% fuel surcharge for transaction between Rs.400-5000 (iii)Gift Voucher worth Rs2000 on spending Rs.30,000 in next 60 days from the date of issuance 4. Zenith- Rs1000 free Voucher on 1st successful retail transaction on POS, 10000 Reward point on spending Rs.1 lac in next 60 days from the date of issuance 5. LIT- 5% Cash back on Dining, Travel & Grocery, 1 Reward point on every 100 spend, 3month Free Membership of Zee5, Amazon Prime, cult. fit |
| Negative Profile | 1.
Minus 1 CIBIL, Group D employee 2. Single Name not allowed, Name mismatch not allowed, short address not allowed |
| USP | 1.Free
Card for gov employee and listed company 2. Card on CIBIL Basis |
| Additional | 1.
4 Reward Point= Rs. 1 2. All Cards annual fees is waived on spending a fix amount in a year |
A Credit Card for Every Need
Meet AU Bank's new range of credit cards that have plenty of attractive and tempting benefits.
AU Zenith Credit Card
Reward Type
Free Voucher - Rs1000
10000 Reward point
10000 Reward point
Joining Fee
₹.7,999 + taxes
Annual Charge
₹.7,999 + taxes
Features
Offers for First Time Card Holders
- Rs1000 free Voucher on 1st successful retail tranaction on POS
- 10000 Reward point on spending Rs.1 lac in next 60 days from the date of issuance
- Earn 20 reward points for every Rs.100 you spend on dining.
- Get 4 complimentary domestic airport lounge visits every calendar quarter.
- Get air accident cover of Rs.2 crore.
Conditions for Annual Card Fee waiver
- For 1st year fee waiver : INR 1,25,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver : INR 5,00,000 retail spends done in previous card anniversary year
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Self-employed:
- Indian nationality. Age: Min 21 yrs. & Max 65 Yrs., Income: ITR > ₹6.0 Lakhs per annum
AU LIT Credit Card
Reward Type
5% Cashback
1 RP on every 100 spend
1 RP on every 100 spend
Joining Fee
Lifetime Free
Annual Charge
Lifetime Free
Features
- 5% Cash back on Dining, Travel & Grocery
- 1 Reward point on every 100 spend
- 3 month Free Membership of Zee5, Amazon Prime, cult.fit
- Get 5X/10X reward points on making domestic and international transactions both online and offline.
- Get a 1% fuel surcharge waiver on spending between Rs.400 and Rs.5,000 on fuel.
- Get up to four complimentary visits to airport lounges every year.
Fees & Charges applicable
- Annual Card Membership fee – Lifetime Free
Eligibility:
- Age => Salaried - 23 to 60 , Self-employed - 25-65
- Salary Required => Salaried- 30K Gross Monthly Salary , Self Employed-5 Lac ITR
- Card to Card = "6 Month old Card with 50k credit limit with 30% available limit"
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
AU Vetta Credit Card
Reward Type
Complimentary Access
1% fuel surcharge
Gift Voucher - Rs2000
1% fuel surcharge
Gift Voucher - Rs2000
Joining Fee
Rs2,999
Annual Charge
Rs2,999
Features
- Complimentary access at selected Railway Lounge, Dometic & interantional lounge
- 1% fuel surcharge for transaction between Rs.400-5000
- Gift Voucher worth Rs2000 on spending Rs.30,000 in next 60 days from the date of issuance
- Get 10 reward points for every Rs.100 spent on utility bills payments.
- Get Zomato Pro Annual Membership when you spend Rs.50,000 in one month.
- Get 1,000 reward points as a bonus when you make one transaction on your birthday.
Fees & Charges applicable
- Annual Card Membership fee – Rs. 2,999 + applicable taxes
Conditions for Annual Card Fee waiver
- - For 1st year fee waiver – Rs.40,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – Rs. 1,50,000 retail spends done in previous card anniversary year
click hereto view Key Fact Statement.
Eligibility:
- Age => Salaried - 23 to 60 , Self-employed - 25-65
- Salary Required => Salaried- 30K Gross Monthly Salary , Self Employed-5 Lac ITR
- Card to Card = "6 Month old Card with 50k credit limit with 30% available limit"
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Au Altura Plus Credit Card
Reward Type
1% Fuel Surchage waiver
2 complimentary access
2X RP , 1.50% Cashback
2 complimentary access
2X RP , 1.50% Cashback
Joining Fee
Rs.499
Annual Charge
Rs499
Features
- 1% Fuel Surchage waiver
- 1.50% Cash back on POS retail transactions & 2X Reward Point on Online Transactions
- Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
- 2 complimentary access at Selected Railway lounge.
- New Delhi
- jaipur
- Kolkata (Sealdah)
- Agra
- Ahmedabad
- Madurai
Fees & Charges applicable
- Annual Card Membership fee – Rs. 499 + applicable taxes
Conditions for Annual Card Fee waiver
- - For 1st year fee waiver – Rs.20,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – Rs. 80,000 retail spends done in previous card anniversary year
click hereto view Key Fact Statement.
Eligibility:
- Age => Salaried - 23 to 60 , Self-employed - 25-65
- Salary Required => Salaried- 30K Gross Monthly Salary , Self Employed-5 Lac ITR
- Card to Card = "6 Month old Card with 50k credit limit with 30% available limit"
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
Au Altura Credit Card
Reward Type
2 complimentary access
2% cashback on spending
Rs.50 on retail spending 10000
2% cashback on spending
Rs.50 on retail spending 10000
Joining Fee
Rs.199
Annual Charge
Rs199
Features
- 2 complimentary access at selected Railway lounge
- 7% Cash back as an activation offer & 2% cash back on spending
- Additional Cash back of Rs.50 on retail spending 10000 during statement cycle
- Get 1% fuel surcharge waiver when you spend between Rs.400 and Rs.5,000 on fuel.
- Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
Fees & Charges applicable
- Annual Card Membership fee – Rs. 199 + applicable taxes
Conditions for Annual Card Fee waiver
- - For 1st year fee waiver – Rs.10,000 retail spends done within 90 days of card set up
- For 2nd year onwards fee waiver – Rs. 40,000 retail spends done in previous card anniversary year
click hereto view Key Fact Statement.
Eligibility:
Salaried:
- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian
- These criteria are only indicative. AU Bank reserves the right to approve or decline applications for Credit Card.
AU Credit Card
Your Financial Freedom in Your Wallet
The AU Bank credit card range offers something for everyone. From grocery shopping to international travel, AU offers a world of lifestyle benefits and cash-back rewards to help take care of your day-to-day spending. They provide flexible reward options that let you choose exactly how you'd like to redeem your rewards, so you can treat yourself any way you want.
All You Need, Just a Swipe Away!
Features & Benefits of the Best AU Credit Cards
AU Altura Credit Card
- Earn 5% Cashback on minimum retail spend of Rs. 2,500 within the first 60 days of card setup. The maximum cashback per statement cycle is Rs. 150 (T&Cs apply).
- Get up to 2% of cashback on every retail transaction
- Get guaranteed cashback of Rs.50 on completing a minimum of Rs.10,000 worth of retail transactions in every statement cycle.
- 8 complimentary lounge access per calendar year
- 1% Fuel Surcharge Waiver for transactions done between Rs.400 and Rs. 5,000 at all fuel stations in the country (maximum value of waiver is Rs. 100 per statement cycle)
- Make your payments more convenient by converting transactions worth Rs.2,000 or more into easy EMI options on the select tenure of your choice.
AU Altura Plus Credit Card
- Rs.500 welcome voucher that can be redeemed on a minimum Rs.10,000 purchase within 60 days of card setup
- Get 1.5% Cashback on all POS retail spending at merchant outlets
- Get 2X reward points on all transactions initiated online.
- As a loyalty reward, you get 500 Reward Points when you do Rs.20,000 or more of retail spending in a calendar month.
- 8 complimentary lounge access per calendar year
- 1% Fuel Surcharge Waiver for transactions done between Rs.400 and Rs. 5,000 at all fuel stations in the country (maximum value of waiver is Rs. 100 per statement cycle)
- Redeem your Reward Points for amazing benefits with e-vouchers from top brands, merchandise, mobile, and DTH recharges, flight and hotel bookings and more.
AU Vetta Credit Card
- Receive a voucher worth Rs. 2,000 when you spend at least Rs. 30,000 in retail outlets within 60 days of card setup.
- Get up to 10 reward points on every Rs.100 spend
- Celebrate your birthday by earning 1,000 bonus reward points for making one qualifying retail transaction.
- Enjoy complimentary lounge access at 1,000+ airport lounges around the world.
- You can get insurance covers for various risks and hazards such as Air Accident Cover up to 50 lakhs, Card Liability Cover, Credit Shield up to 2 lakhs, purchase protection, and many others by visiting our website.
- Redeem your Reward Points for amazing benefits with e-vouchers from top brands, merchandise, mobile, and DTH recharges, flight and hotel bookings, and more.
- Get Annual Fee Reversal on spends of Rs. 1.5 Lakhs.
AU Zenith Credit Card
- Get a voucher worth Rs. 1000 on your first POS retail transaction, plus 10,000 bonus reward points when you spend Rs. 1 lakh.
- Get up to 20 reward points on every Rs.100 spent at Dining Standalone Restaurants
- Enjoy exclusive benefits, like Rs. 1,000 vouchers on a minimum Rs.2 lakh retail spends done per calendar quarter.
- Complimentary Epicure Membership–an exclusive benefit for cardmembers who spend at least Rs. 8 lakh in a card anniversary year.
- Celebrate your birthday by earning 2,500 bonus reward points for making one qualifying retail transaction on your birthday.
- Enjoy complimentary lounge access at 1,000+ airport lounges around the world.
- Our Global Concierge Assistance can help you create customized travel, entertainment, and leisure experiences around the world.
- Enjoy 1% fuel surcharge waiver on all fuel transactions done across all fuel stations in the country.
- Redeem your Reward Points for amazing benefits with e-vouchers from top brands, merchandise, mobile, and DTH recharges, flight and hotel bookings, and more.
- Get Annual Fee Reversal on spends of Rs. 1.5 Lakhs.
- You can get insurance covers for various risks and hazards such as Air Accident Cover up to 2 crores, Card Liability Cover, Credit Shield up to 5 lakhs, purchase protection, and many others by visiting our website.
Required Documents for AU Credit Card
PAN Card
Aadhaar Card
Driving Licence
Voter ID
Passport
Registered rent agreement
Current passport size photograph
Salaried income documents
Self Employed person documents
Salaried income documents
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Last 6 months' salary slip
-
Form 16 of last 2 years
-
Income Tax Return if any of last 2 Years
-
Last 3 months' bank statement if the salary directly credited in the bank account
-
Certificate of employment from current employer
Self Employed person documents
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Income tax returns of previous 2 years
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Statement of finances with a proper balance sheet with profit and loss in that sheet
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Bank statement with continuity of business
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GST registration evidence of business
Card to Card Documents
The documents required for a card-to-card application vary, but common documents include:
-
Government Issued Photo ID
-
Proof of Residency
-
Proof of Income
-
Applcation Form
-
Authorization to run a Credit Check (if required)
Note : AU may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
Wondering How to Apply? Here You Go!
How to Apply for an AU Credit Card
The process of applying for a Credit card can be really daunting sometimes but with ReferLoan you can make the process easy and quick. .
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Visit the website of ReferLoan
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There you can find the list of credit cards on the top.
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Choose an AU Cradit card and click on the ‘Check Eligibility’ button
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You will be prompted with a list of questions
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Answer them to know your eligibility.
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If you’re eligible for the card, you will be redirected to the online application page.
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Fill in all the required fields on the page before clicking on ‘Submit’.
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You will then be asked to upload the documents – do the same and click on ‘Submit’
Redeem Your Reward Points and Get Exciting Gifts and Vouchers
How to Redeem an AU Credit Card Reward Point?
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Login with your Credentials
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Click on the Redeem Point Tab
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Filter your collected Points Range and preferred Item Category to view the catalog
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Choose your item, add it to the cart with the preferred quantity and click View Shopping Cart Link.
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To proceed further, please read the Terms & Conditions and click on the check box confirming that you have read them.
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You are done now. A copy of your voucher will be received on your registered email ID and Mobile Number
Access Your Credit Card Anywhere Through NetBanking
AU Credit Card Login for Net Banking
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Visit :Aubank
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Log in to your net banking with the provided customer ID and IPIN.
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On the main menu, select the “ Cards” option
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Select the “ Credit Card” option from the drop-down
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Select the “ Register Credit Card” option on the left side of the menu
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If you’re eligible for the card, you will be redirected to the online application page.
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Fill in your card details like credit card number, expiry, and pin.
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After confirming all the filled-in details are right, click on “Submit”
In Case of Any Query
HRegistered Office: 19A,
Dhuleshwar Garden, Ajmer Road,
Jaipur – 302001. Rajasthan, India
For general queries, you can call the toll-free numbers:
- 1800 1200 1200
- 1800 26 66677
You can also call the toll numbers:
- 1860 1200 1200
- 0141 – 7141000
- 0141 – 6133000
- 0141 - 3071800
FREQUENTLY ASKED QUESTIONS
I have a few queries, how can I reach the AU bank help desk?
If you have any questions regarding the AU Bank credit cards, you can write to them at creditcard.priority@aubank.in or contact them at 18002100298 or 022-42320298.
Is there any GST applicable on AU Credit Cards?
Yes, You will be charged 18% GST on fees and other charges on an AU Altara Plus Credit Card.
Are there any joining fees on the AU bank credit card?
No, AU bank doesn’t charge any processing fees on credit cards.
What are the required documents to apply for an AU Credit Card?
Please note that AU Bank may ask you to submit the following documents along with your application form: PAN card, Aadhar card, passport, driving license, Voter ID, electricity bill, last six months' salary slips, and Income Tax Returns (ITR) of the last two years.
Is there any Maximum Limit for AU Bank Credit Cards?
There is no limit to your credit limit on AU credit cards. The limit is determined by the applicant's income and CIBIL score. Individuals with a high income and a high CIBIL Score are more likely to be given a large credit limit.
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