AU Small Finance Bank Lifetime Free Credit Cards
Explore top cards like the AU Bank InstaPay Credit Card, AU Bank LIT Credit Card, AU Bank Purchase Credit Card, AU Bank Xcite Ace Credit Card, and 9 more.
13 Cards Found
AU Bank InstaPay Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU Bank LIT Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Bank Purchase Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
AU Bank Xcite Ace Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU CA Metal Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Corporate Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
AU CS Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Fi Magnifi Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback, Air Miles, Other Benefits
AU Kosmo Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Zaggle Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
CheQ AU Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
ixigo AU Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
AU Small Finance Bank's Lifetime-Free Credit Cards
Seven AU Small Finance Bank credit cards charge zero joining and zero renewal fee for their standard variants.
Personal Rewards vs Business Use
AU Bank LIT, Xcite Ace, InstaPay, ixigo AU, and CheQ AU are general personal-use cards. AU Bank Purchase and AU Corporate, by contrast, are business-purpose cards without a rewards structure.
AU Bank's Zero-Fee Cards
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| AU Bank LIT Credit Card | Lifetime Free | Reward Points, Cashback | Customisable accelerated categories |
| AU Bank Xcite Ace Credit Card | Lifetime Free | Cashback | Travel, dining, shopping |
| AU Bank InstaPay Credit Card | Lifetime Free | Cashback | Shopping, dining, utilities |
| ixigo AU Credit Card | Lifetime Free | Reward Points | Travel, international spends, shopping |
| CheQ AU Credit Card | Lifetime Free | Reward Points | Shopping, travel, utilities (standard variant free) |
| AU Bank Purchase Credit Card | Lifetime Free | — | Business, fuel |
How to Choose
Seven AU Bank cards are genuinely lifetime free
AU Bank InstaPay, AU Bank LIT, AU Bank Purchase, AU Bank Xcite Ace, AU Corporate, CheQ AU, and ixigo AU Credit Card all carry zero joining and zero renewal fee for the standard variant.
AU Bank LIT is the standout for flexible rewards
AU Bank LIT Credit Card earns both Reward Points and Cashback with customisable bonus categories, making it one of the more flexible zero-fee options if you want to choose which spend categories earn more.
ixigo AU is travel-focused, CheQ AU has a variant fee
ixigo AU Credit Card leans Travel, International Spends, and Shopping. CheQ AU Credit Card is lifetime free for its standard card, but its LED Card variant carries a one-time ₹999 + GST fee - confirm which version applies to you.