AU Small Finance Bank Cards
AU Small Finance Bank - High Reward Lifetime-Free Cards
33
₹914
AU Zenith+ Credit Card
Reward Points, Cashback, Reward Points & Cashback
About This Bank
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.
| Card | Annual Fee | Reward Type | Best For |
|---|---|---|---|
| AU Bank LIT | Nil | Reward Points & Cashback | Fully customisable benefit packs |
| AU Spont | ₹299 + GST | Cashback | Simple 1% cashback on UPI/small payments |
| AU Altura | ₹199 + GST | Cashback | Accessible entry-level cashback |
| AU Nomo | ₹199 + GST (Nil renewal) | Reward Points | Secured, FD-backed, low forex markup |
| AU Altura Plus | ₹499 + GST | Reward Points & Cashback | Stronger rewards, higher spend |
Premium Cards Compared
| Card | Annual Fee | Reward Type | Best For |
|---|---|---|---|
| AU Vetta | ₹2,999 + GST | Reward Points | Accelerated grocery/departmental rewards |
| AU Zenith | Lower than Zenith+ | Reward Points | Core premium reward structure |
| AU Zenith+ | ₹4,999 + GST | Reward Points | Metal card, strongest travel/dining rewards |
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).
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.
Featured AU Small Finance Bank Cards
AU Bank LIT Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points & Cashback
AU Zenith+ Credit Card
Joining Fee:
₹4,999 + GST
Renewal Fee:
₹4,999 + GST
Reward Type:
Reward Points
AU Vetta Credit Card
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points
AU Altura Credit Card
Joining Fee:
₹199 + GST
Renewal Fee:
₹199 + GST
Reward Type:
Cashback
AU Altura Plus Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points & Cashback
AU Zenith Credit Card
Joining Fee:
₹7,999 + GST
Renewal Fee:
₹7,999 + GST
Reward Type:
Reward Points
Eligibility Guide
₹3 lakh p.a.
700+
21-60 years
Eligibility for AU Bank Credit Cards
- Age: 21-60 years
- Income: ₹3 lakh p.a. (Altura); ₹6 lakh+ (Zenith+)
- Credit Score: 700+ recommended
- Employment: Salaried or self-employed
Applications via the AU Bank mobile app or official website. AU Bank accepts applications from non-AU Bank customers as well.
All AU Small Finance Bank Cards
Browse & filter all AU Small Finance Bank cards →AU Zenith+ Credit Card
Joining Fee:
₹4,999 + GST
Renewal Fee:
₹4,999 + GST
Reward Type:
Reward Points
AU Altura Credit Card
Joining Fee:
₹199 + GST
Renewal Fee:
₹199 + GST
Reward Type:
Cashback
AU Vetta Credit Card
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points
AU Bank LIT Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points & Cashback
AU Nomo Credit Card
Joining Fee:
₹199 + GST
Renewal Fee:
Nil
Reward Type:
Reward Points
AU Altura Plus Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points & Cashback
AU Spont Credit Card
Joining Fee:
₹299 + GST
Renewal Fee:
₹299 + GST
Reward Type:
Cashback
AU Bank Xcite Ace Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Cashback
AU Bank Xcite Ultra Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Reward Type:
Reward Points