Best AU Small finance credit cards

AU small finance bank is a private sector bank in India founded in 1996. This bank mainly serves low and middle-income individuals and micro and small businesses that have no banking access. Please refer to this article on the best Induslnd bank credit cards

List the best AU Small finance credit cards

  1. AU Altura Plus Credit Card
  2. AU LIT Credit Card
  3. AU Bank Altura Credit Card

1) AU Altura Plus Credit Card

  • About AU Altura Plus Credit Card

AU Altura Plus credit card offers numerous discounts, reward points, and cashback. This card is mainly used for online purchases and to avail of airport lounges.

  1. 1.5% Cashback on all POS retail spends
  2. 2 complimentary lounge access in railway stations using VISA cards New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra
  3. 1% Fuel Surcharge Waiver for fuel transactions (  Rs 400 and Rs 5,000 across all fuel stations in the country)

Other benefits

  • 10% Instant Discount upto Rs 1,000 per month on Flipkart Orders Above Rs 10,000
  • Additional 10% Off upto Rs 1000 on Myntra
  • 15% instant discount upto Rs 300 per month on Tata CLiQ Orders
  • 10% off on Groceries upto Rs 100 on Blinkit app orders

Fees and charges

Joining Fees: Rs 499 + TaxesAnnual Fees: Rs 499 + TaxesAnnual Fee Waiver: Joining fee gets reversed on spending 20,000 within 90 days of card set up annual Fee gets reversed on spending 80,000 in the previous anniversary year

Eligibility Criteria 

  • Required Age: 21-60 years
  • Employment status: Salaried or self-employed
  • Salaried: Starting from Rs 25,000 Monthly
  • Self-Employed: Starting from Rs 25,000 Monthly
  • Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
  • No Delayed Payments in the last 12 months
  • Required Credit Score: 700+

2) AU LIT Credit Card

AU LIT Credit card is also an amazing card to use for fuel waivers and online shopping. The main advantage of this card is you can customize your credit card as per your need

  • About AU LIT Credit card
  • Lifetime Free Credit Card!
  • You can customize your credit card as per your need
  • 10% Instant Discount (Upto Rs 1,000) on Flipkart orders above Rs 10,000

Other benefits

  • 10% Instant Discount (Upto Rs 1,000) on Flipkart Orders Above Rs 10,000
  • Additional 10% Off (Upto Rs 1,000) on a minimum purchase of Rs 3999 on selected styles on Myntra
  • 15% instant discount (Upto Rs 300 per month) on Tata CLiQ Orders Above Rs 500
  • 10% off on Groceries (Upto Rs 100) on Blinkit app orders above Rs 499

Fees and Listing charges

  • Joining Fees: Nil
  • Annual Fees: Nil

Eligibility Criteria –

  • Required Age: 21-60 years
  • Income: Rs 25,000 per month (Salaried and self-employed)
  • Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
  • No Delayed Payments in the last 12 months
  • Required Credit Score: 700+

Documents Needed –

  • Valid PAN Card
  • Aadhar Card – should be linked to Mobile (For EKYC)
  • Address proof
  • Income Proof (if opted for Income surrogate)

3) AU Bank Altura Credit Card 

AU Bank Altura Credit card is used for availing a lot of cashback by shopping online.

Other benefits

  • 10% Instant Discount upto Rs 1,000 per month on Flipkart Orders Above Rs 10,000
  • Additional 10% Off upto Rs 1000 on Myntra10% off on Swiggy Instamart (Upto Rs 100 per month) on Orders Above Rs 500
  • 15% instant discount upto Rs 300 per month on Tata CLiQ Orders Above Rs 500
  • Flat Rs 100 off on Groceries upto Rs 100 on Blinkit app orders above Rs 1000

Fees & List of all charges –

  • Joining Fees: Rs 199 + Taxes
  • Annual Fees: Rs 199 + Taxes
  • Annual Fee Waiver: Joining fee gets reversed on spending 10000 within 90 days of card setup
  • The annual fee gets reversed on spending 40000 in the previous anniversary year

Eligibility Criteria –

  • Required Age: 21-60 years
  • Employment status: Salaried or self-employed
  • Salaried: Starting from Rs 25,000 Monthly
  • Self-Employed: Starting from Rs 25,000 Monthly
  • Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
  • No Delayed Payments in the last 12 months
  • Required Credit Score: 700+

Documents Needed

  • Valid PAN Card
  • Aadhar Card – should be linked to Mobile (For EKYC)
  • Address proof
  • Income Proof (if opted for Income surrogate)

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