AU Small Finance Bank Cards

AU Bank Credit Cards - 2026 Overview

AU Small Finance Bank's credit card portfolio punches above its weight - offering features like customisable benefits (LIT card), high reward earn rates, and lifetime-free options that rival established banks.

Entry & Everyday Cards Compared

With 33 active cards, AU's lineup ranges from fully customisable free cards to premium metal products - these tables group similar cards for comparison before you browse the full list below.

Portfolio Highlights

LIT (Lifestyle, Interests, Tastes): A first-of-its-kind customisable card - choose and pay for only the features you want (OTT subscriptions, lounge access, golf, dining).

Zenith+: AU's flagship premium card with strong dining and luxury-brand rewards, complimentary lounge access, and milestone-based benefits.

Vetta and Altura: Mid-tier lifestyle and cashback cards with competitive reward rates.

Digital & Niche: Ixigo AU (travel-booking co-brand), AU Bank Xcite range (free digital-first cards), AU Corporate (free business expense card).

Debit & Prepaid Cards

AU Bank's card lineup isn't limited to credit cards - it also issues 12 savings-account-linked debit cards and 1 prepaid card, spanning everyday RuPay debit through invite-only private-banking tiers:

• AU RuPay Classic Debit Card is the accessible entry point - free to issue, tied to any AU savings account, with a ₹100 welcome brand voucher and access to 100+ merchant offers.
• AU Royale Debit Card steps up to a premium tier with a 2.5% cross-currency markup (1.5% for CA-linked programs), 8 complimentary domestic lounge visits a year, and BOGO movie/dining/grocery offers via BookMyShow, Zomato, and BigBasket.
• AU Eternity Debit Card targets high-net-worth savings/business account holders (₹10 lakh MAB or ₹30 lakh TRV), with an ultra-low 0.90% forex markup, ₹1 crore air accident cover, and both domestic and international lounge access.
• AU Ivy Debit Card is invite-only (₹25 lakh AQB or ₹2 crore TRV at group level), offering a 0% cross-currency markup, 4 domestic and 4 international lounge visits per quarter, and a dedicated Relationship Manager.
• Business-account holders have their own variants too, such as the AU Visa Business Gold Debit Card and AU Royale Business Debit Card.
• On the prepaid side, the AU Haryana Roadways NCMC Prepaid Card is a co-branded National Common Mobility Card built for tap-and-pay travel on Haryana Roadways buses and other NCMC-enabled transit, reloadable up to a ₹10,000 balance cap with a ₹75 annual maintenance charge.

Why AU Bank Competes Above Its Weight

As a small finance bank rather than a large private-sector bank, AU has had to differentiate on structure rather than scale - the LIT card's pay-for-what-you-use model and the sheer number of genuinely free cards (LIT, Xcite Ace, Xcite Ultra, Corporate, Instapay) are AU's answer to competing against issuers with much larger reward ecosystems. This makes AU a particularly good fit for cost-conscious applicants who still want real customisation, rather than accepting a bank's fixed one-size-fits-all benefit bundle.

Applying for an AU Bank Credit Card

Applications go through the AU Bank mobile app or official website, and AU Bank accepts applications from customers who don't already hold an AU Bank account - unlike some issuers that reserve their best cards for existing relationship customers. Secured cards like AU Nomo substitute a fixed deposit for income/credit-history requirements, making them a practical fallback if you don't yet qualify for an unsecured AU card.