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AU Bank Credit Cards
Finance

AU Bank Credit Cards

AU Bank offers various credit cards based on spending habits and lifestyle. From the plethora of AU Bank credit cards, you can choose the one that is best suited for you. Here is the list of all AU Bank credit cards and their main features.

AU Bank Credit Cards

Top AU Bank Credit Cards in India 2024

Type of cardAnnual feeJoining Fee
AU Bank Zenith Credit CardRs.7,999Nil
AU Bank Vetta Credit CardRs.2,999Nil
AU Bank Altura Plus Credit CardRs.499Nil
AU Bank Altura Credit CardRs.199Nil
AU Bank Zenith Plus Credit CardRs.4,999Nil
ixigo AU Credit CardRs.999Nil

Key Features of AU Bank Credit Cards

  • You get airport and lounge access with a few AU Bank credit cards
  • There is no joining fee for the credit cards.
  • The interest ranges between 1.99% to 3.49%.
  • These credit cards offer spend-based milestone benefits.

AU Bank Credit Card Types & Features

AU Bank Zenith Credit Card

Annual fee: Rs.7,999.

Key Highlights of the AU Bank Zenith Credit Card:

  • Get 10,000 bonus reward points when you spend Rs.1 lakh within the first 60 days of your credit card being activated.
  • Earn 20 reward points for every Rs.100 you spend on dining.
  • Get 4 complimentary domestic airport lounge visits every calendar quarter.
  • Get air accident cover of Rs.2 crore.

AU Bank Vetta Credit Card

Annual fee: Rs.2,999

Key Highlights of the AU Bank Vetta Credit Card:

  • Get vouchers worth Rs.2,000 if you spend Rs.30,000 within the first 60 days of the card being activated.
  • Get 10 reward points for every Rs.100 spent on utility bills payments.
  • Get Zomato Pro Annual Membership when you spend Rs.50,000 in one month.
  • Get 1,000 reward points as a bonus when you make one transaction on your birthday.

AU Bank Altura Plus Credit Card

Annual fee: Rs.499

Key Highlights of the AU Bank Altura Plus Credit Card:

  • Get 1.5% cashback on POS transactions at partner merchant outlets
  • Get 2x reward points on online spends.
  • Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
  • Get 2 free railway lounge visits every calendar quarter in these cities:
    • New Delhi
    • Kolkata (Sealdah)
    • Jaipur
    • Ahmedabad
    • Agra
    • Madurai

10 Best Credit Cards In India 2024(Opens in a new browser tab)

AU Bank Altura Credit Card

Annual fee: Rs.199

Key Highlights of the AU Bank Altura Credit Card:

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

Fees and Charges of AU Bank Credit Cards

Type of chargeFee
Outstanding amountLate payment fee
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 amount withdrawn, subject to a minimum of Rs.100
Limit for cash advanceAltura, Altura Plus – 40% of the credit limitVetta – 30% of the credit limitZenith – 20% of the credit limitLIT – 20% of the credit limit
Minimum repayment amount5% or minimum Rs.100
Overlimit charges2.5% of overlimit amount, subject to a minimum of Rs.500
Fee for redeeming reward pointsNIL
Cash processing feeNIL
Fee for processing an outstation chequeRs. 25
Processing fee for balance transfer1% of the balance transfer amountThis fee is subject to a minimum amount of Rs.250
Credit card validation fee at loungesRs.2
EMI conversion fee1% of the amount you convert into EMIsThe EMI conversion fee is subject to a minimum of Rs.250
Charge for Priority Pass Lounge$27 plus taxes per person for every visit
Foreign currency mark-up feeAltura, Altura Plus – 3.49%Vetta – 2.99%Zenith – 1.99%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%
Late Payment ChargesOutstanding amount and Fee:Less than Rs.100: NILRs.100 to Rs.500: Rs.100Rs.501 to Rs.5,000: Rs.400Rs.5,001 to Rs.20,000: Rs.500More than Rs.20,000: Rs.700

Standard Chartered Super value titanium credit card(Opens in a new browser tab)

Eligibility Criteria to Apply for AU Bank Credit Cards

  • The add-on cardholder has to be more than 18 years old.
  • As the primary cardholder, your age has to be between 21 years and 60 years.
  • You have to be a resident of India to apply for the credit card.

How to Apply for an AU Bank Credit Card Online

AU Bank Credit Card Reward Points

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

  • Merchandise on the AU Bank catalogue
  • E-vouchers of partner brands
  • Flight ticket bookings
  • Hotel room bookings
  • Mobile/Direct-to-home (DTH) recharges

How to Close your AU Bank Credit Card

You can contact the AU Bank credit card customer care number and/or send a letter of written communication and ask the bank to close your credit card.

How to Contact AU Bank Credit Card Customer Care

FAQs on AU Bank Credit Cards

  1. 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.
  2. What is the foreign currency mark-up fee for the AU bank credit cards?Altura, Altura Plus – 3.49%, Vetta – 2.99%, Zenith – 1.99%, and LIT – 3.49%
  3. How old should the add-on credit cardholder be?The add-on cardholder has to be more than 18 years old.
  4. Which e-mail ID can I write to for queries regarding the AU Bank credit cards?You can write to [email protected] and clarify your doubts on the AU Bank credit cards.
  5. How much GST will be applicable on an AU Altara Plus Credit Card?18% GST will be levied on fees and other charges on an AU Altara Plus Credit Card.
  6. What is the joining fee of the AU Bank Zenith Credit Card?There is no joining fee for AU Bank Zenith Credit Card.
  7. What is the maximum limit for AU Bank credit cards?On AU credit cards, there is no set limit. It is determined by the applicant’s income and CIBIL score. Individuals with a high income and a high CIBIL Score are more likely to be given a large credit limit. To secure fast approval for the AU Bank Credit Cards, the applicant must have a CIBIL Score of 750 or higher.
  8. What is the minimum and the maximum age limit to avail an AU Bank Credit Card?To avail an AU Bank Credit Card, the applicant should be under the age limit between 21 years to 60 years.
  9. What are the documents required to avail an AU Bank Credit Card?To apply for a credit card from AU Bank, you have to submit several documents like Permanent Account Number (PAN) card, Aadhar card, passport, driving licence, Voter ID, electricity bill, last six months’ salary slips, Income Tax Returns (ITR) of last two years, and birth certificate.

Author

  • Bhuvnesh Bhushan

    Founder of Bhuvnesh Blog. Bhuvnesh Bhushan is a Internet Marketing Geek and Instrumentation Engineer. He holds an Engineering Degree in Electronics and Communication Engineering (GLA University, Mathura) and is professional blogger in India.

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Founder of Bhuvnesh Blog. Bhuvnesh Bhushan is a Internet Marketing Geek and Instrumentation Engineer. He holds an Engineering Degree in Electronics and Communication Engineering (GLA University, Mathura) and is professional blogger in India.