AU Bank Credit Card: Features, Benefits, and How to Apply Online [2025 Guide]
Searching for the perfect credit card in India that suits your lifestyle and spending needs? AU Small Finance Bank Credit Cards offer unmatched benefits—from everyday essentials to premium international travel experiences. Whether you’re a salaried employee or self-employed, AU Bank offers a versatile range of credit cards designed to meet your financial needs.
In this guide, explore the types of AU credit cards, key features and benefits, eligibility criteria, and the step-by-step process to apply online.
Why Choose AU Bank Credit Cards?
AU Small Finance Bank offers four premium credit card variants:
- AU Altura Credit Card
- AU Altura Plus Credit Card
- AU Vetta Credit Card
- AU Zenith & Zenith+ Credit Cards
These cards are loaded with exclusive rewards, cashback offers, travel privileges, and much more. Whether you’re shopping online or booking international flights, AU Bank has a credit card to elevate your experience.
Key Features and Benefits of AU Credit Cards
Here’s what makes AU Credit Cards stand out:
- Cashback & Reward Points on everyday spends
- Airport Lounge Access (Domestic & International)*
- Fuel Surcharge Waiver
- Free Device Protection Plan for mobile phones and tablets
- 1-Year Extended Warranty on electronics (white goods)
- Zero Lost Card Liability
- Contactless Payments
- EMI Conversion on large purchases
Benefits vary by card type.
How to Apply for AU Credit Card Online (2025 Process)
Applying for an AU credit card is simple, fast, and 100% online. Follow these steps:
- Choose a Card: Select the AU credit card that best fits your needs.
- Click “Apply Now”: Visit to the official AU Bank credit card website.
- Fill the Application: Enter your personal, income, and employment details.
- Upload Documents: Provide valid ID, address, and income proofs.
- Review & Submit: Confirm all details and submit the form.
- Get Confirmation: Receive an SMS or email regarding your application.
- Verification Process: Bank may contact you for further verification.
- Card Delivery: Once approved, the card is shipped to your registered address.
10 Activation: Follow the instructions to activate your AU Credit Card.
AU Credit Card Eligibility Criteria (2025)
| Criteria | Details |
|---|---|
| Age | Salaried: 21-60 years Self-Employed: 25-65 years |
| Income | Minimum monthly income as specified by AU Bank |
| Employment Type | Both salaried and self-employed individuals |
| Residency | Must be a resident of India |
| Documents Needed | Identity proof, address proof, income proof |
Important Things to Know Before Applying
- Compare annual charges, rewards, and benefits of different AU credit cards.
- Read and check carefully of the MITC (Most Important Terms & Conditions) before applying.
- Pay your bills on time to avoid late fees and maintain a high credit score.
- Keep credit utilization below 30% of your credit limit.
- Avoid frequent card applications—they impact your credit profile.
Different Types of Credit Cards You Should Know
- Standard Credit Cards: Great for everyday purchases and widely accepted.
- Rewards Credit Cards: Earn points, cashback, or miles.
- Travel Credit Cards: Free lounge access, airline miles, and hotel discounts.
- Cashback Credit Cards: Earn cashback on groceries, fuel, and dining.
- Secured Credit Cards: Ideal for those with no credit history (linked to FD).
- Business Credit Cards: Tailored benefits for small business expenses.
Credit Card Dos and Don’ts
Dos
- Always pay on time.
- Monitor statements for fraud or errors.
- Use rewards wisely—redeem for vouchers or travel.
- Keep credit utilization low.
- Report lost/stolen cards immediately.
Don’ts
- Don’t miss payments—leads to penalties & poor credit score.
- Don’t max out your credit card.
- Avoid cash advances—they carry high fees.
- Don’t share your card details with others.
- Avoid applying for multiple cards at once.
Free Device Protection Plan with AU Credit Card
When you pay using an AU Bank credit card, you get:
- 1-Year Free Screen Damage Protection on mobiles/tablets.
- 1-Year Extended Warranty on large home appliances.
Just another reason to swipe with AU!
Conclusion: Is AU Bank Credit Card Right for You?
If you’re searching for a feature-rich, reliable, and rewarding credit card, AU Bank offers some of the best credit card options in India. From lifestyle perks and cashback to travel benefits and free device protection—AU Credit Cards are designed for modern Indian consumers.
Start your credit journey with AU and experience banking beyond boundaries.
Read More: What is Credit Score? And How to Improve Yours Fast ?
