AU Bank Credit Cards | Types, Features & Apply

AU Bank offers various credit cards based on spending habits and lifestyle. You can select the one that matches you perfectly from the many AU Bank credit cards. Here is a list of all AU Bank credit cards and their main features.

Features of AU Bank Credit Cards

  • You get airport and lounge access with some AU Bank credit cards
  • No joining fee for credit cards.
  • The interest is between 1.99% to 3.49%
  • These credit cards offer spending-based milestone benefits.

AU Bank Credit Card Types & Features

Below are the five types of AU Credit cards follow

AU Bank Credit Cards
1. AU Bank Zenith Credit Card

Key Highlights of AU Bank Zenith Credit Card:

  • Get 10,000 bonus points when you spend Rs.1 lakh within the first 60 days of your credit card activation.
  • Get 20 rewards for every Rs.100 you spend on dining.
  • Get four complimentary domestic airport lounge visits per calendar quarter.
  • Get Rs 2 crore flight accident coverage.

Annual Fee: Rs.7,999.

2. AU Bank Vetta Credit Card

Key Highlights of AU Bank Vetta Credit Card

  • Get vouchers worth Rs.2,000 if you spend Rs.30,000 within the first 60 days of card activation.
  • Get ten reward points for every Rs.100 spent on utility bill payments.
  • Get Zomato Pro Annual Membership when you spend Rs.50,000 in a month.
  • Get a bonus of 1,000 reward points when you make a transaction on your birthday.

Annual Fee: Rs.2, 999

3. AU Bank Altura Plus Credit Card

Key Highlights of AU Bank Altura Plus Credit Card:

  • Get 1.5% cashback on POS transactions at partner merchant outlets
  • Get 2x Reward Points on online spending.
  • Get 500 reward points as a bonus when you spend Rs.20,000 monthly.
  • Get two free Railway Lounge visits every calendar quarter in these cities:
  1. New Delhi
  2. Kolkata (Sealdah)
  3. Jaipur
  4. Ahmedabad
  5. Agra
  6. Madurai

Annual Fee: Rs.499

4. AU Bank Altura Credit Card

Key Highlights of AU Bank Altura Credit Card:

  • Get 2% cashback on spending on grocery, departmental stores, and utility bill payments.
  • Get a 1% fuel surcharge waiver when you spend Rs.400 to Rs.5,000 on fuel.
  • Get Rs.50 cashback when you complete a minimum transaction amount of Rs.10,000 in every cycle statement.

Annual fee: Rs.199

5. AU Bank LIT Credit Card

Key Highlights of AU Bank LIT Credit Card:

  • Get 5X/10X reward points on domestic and international transactions online and offline.
  • Get a 1% fuel surcharge waiver on spending between Rs.400 and Rs.5,000 on fuel.
  • Get 5% cash back on groceries, dining and travel, plus one reward point for every Rs.100 you spend.
  • Get four complimentary visits to airport lounges every year.
  • Get three months free subscription to ZEE5, Cult. Fit and Amazon Prime.

Annual Fee: Nil

Fees of AU Bank Credit Cards

Type of chargeFee
Fee for an add-on cardNIL
Revolving credit chargeAltura, Altura Plus – 3.49% per month (41.88% annually) Vetta – 2.99% per month (35.88% annually) Zenith – 1.99% per month (23.88% annually) LIT – 3.49% per month (41.88% annually)
Cash advance fee2.5% of money withdrawn, subject to a minimum of Rs.100
Limit for cash advanceAltura, Altura Plus – 40% of the credit limit Zenith – 20% of the credit limit Vetta – 30% of the credit limit LIT – 20% of the credit limit
Minimum repayment amount5% or minimum Rs.100
Overlimit charges2.5% of over limit amount, subject to a minimum of Rs.500
Fee for redeeming reward pointsNIL
Cash processing feeNIL
Fee for processing an outstation chequeRs.25
1% of the balance transfer amount. This fee is subject to a minimum amount of 250 RsThe charge for Priority Pass Lounge
Credit card validation fee at loungesRs.2
EMI conversion fee1% of the amount you convert into EMIs. The EMI conversion fee is subject to a minimum of Rs.250
2.5% of the money withdrawn, subject to a minimum of Rs.100$27 plus taxes per person for every visit
Foreign currency mark-up feeAltura, Altura Plus – 3.49% Zenith – 1.99% Vetta – 2.99% LIT – 3.49%
Fee for duplicate physical statement requestRs.100
Fee for reissue of lost/damaged/stolen credit cardRs.100
Goods and Services Tax (GST)18%

Eligibility Criteria to Apply for AU Bank Credit Cards

  • Add-on cardholders must be above 18 years of age.
  • As a primary cardholder, your age should be between 21 years to 60 years.
  • You must be an Indian citizen to apply for a credit card.

What are the documents required to get AU Bank Credit Card?

To apply for a credit card from AU Bank, you need to submit several documents like

  • Permanent Account Number (PAN) card
  • Aadhaar Card
  • Passport
  • Driving License
  • Voter ID
  • Electricity Bill
  • Last Six Months’ Salary Slips
  • Income Tax Returns( ITR) for the last two years
  • Birth certificate

How to Apply for AU Bank Credit Card Online?

AU Bank
  • Visit the bank’s website.
  • Select your desired credit card.
  • Click on Apply Now

Contact AU Bank Credit Card Customer Care

  • Bank Customer Care: 1800 1200 1200.
  • Email: 

How to earn and redeem Reward Points

You can redeem rewards points earned on AU Bank credit cards for:

  • Merchandise In Au Bank Catalogue
  • Partner Brands e-Vouchers
  • Flight ticket bookings
  • Hotel room bookings
  • Mobile/Direct-to-Home (DTH) recharges

How to Close Your AU Bank Credit Card?

You can contact AU Bank Credit Card Customer Care Number, send a written letter, and ask the bank to close your credit card.

AU Bank Credit Card Customer Care Number:

  • 1800 1200 1200
  • 1800 26 66677


What is the max and min age for availing of an AU Bank Credit Card?

To get an AU Bank Credit Card, the applicant must have an age limit of 21 to 60 years.

Which email ID can I write to for AU Bank Credit Cards queries?

You can write to to clear your queries on AU Bank credit cards.

What is the maximum limit for AU credit cards?

On AU credit cards, there is no set limit. It had determined by the applicant’s income and CIBIL score. People with higher income and CIBIL scores are likelier to give a bigger credit limit. To get fast approval for AU Bank credit cards, the applicant must have a CIBIL score of 750 or above.

How do I reach the AU Bank Concierge Desk?

You can reach the AU Bank concierge desk by calling the toll-free number 18002100298. You can also call 022-42320298 to reach the concierge desk.

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