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AU Bank Credit Cards
Modern banking solutions with credit cards that offer smart features and great rewards.
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Card Holder
AU BANK
Credit Cards by AU Spont Credit Card
Compare and find the perfect credit card that matches your lifestyle
AU Spont Credit Card
Joining Fee
Rs. 299 + GST
Renewal Fee
Rs. 299 + GST
Best Suited For
Shopping
AU Bank Xcite Ace Credit Card
Joining Fee
Free
Renewal Fee
Free
Best Suited For
Shopping
AU Altura Credit Card
Joining Fee
Rs. 199 + GST
Renewal Fee
Rs. 199 + GST
Best Suited For
Shopping
AU Zenith+ Credit Card
Joining Fee
Rs. 4999 + GST
Renewal Fee
Rs. 4999 + GST
Best Suited For
TravelDiningShopping
Reward Type
Reward Points
Welcome Benefits
Luxury Gift Vouchers or Reward Points Worth ₹5,000
ixigo AU Credit Card
Joining Fee
Free
Renewal Fee
Free
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
1000 RPs and Rs. 1000 ixigo Money Voucher on First Transaction Within 30 days of Card Issuance
Aditya Birla AU Bank Credit Cards
Joining Fee
Free
Renewal Fee
Free
Best Suited For
TravelDiningShoppingBusiness Expenses
AU Vetta Credit Card
Joining Fee
Rs. 2,999 + GST
Renewal Fee
Rs. 2,999 + GST
Best Suited For
TravelShopping
AU Bank Xcite Ultra Credit Card
Joining Fee
Free
Renewal Fee
Free
Best Suited For
TravelShopping
AU Bank InstaPay Credit Card
Joining Fee
Free
Renewal Fee
Free
Best Suited For
Shopping
AU Bank Zenith Credit Card
Joining Fee
Rs. 7,999 + GST
Renewal Fee
Rs. 7,999 + GST
Best Suited For
TravelDiningShopping
Reward Type
Reward Points
Welcome Benefits
Rs. 1,000 worth of Vouchers after the first POS transaction, 10,000 Bonus RPs on spending Rs. 1 Lakh. Each welcome benefit would be applicable for retail spends made within sixty of card set-up.
AU Altura Plus Credit Card
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
AU Bank LIT Credit Card
Joining Fee
Free
Renewal Fee
Free
Best Suited For
MoviesTravelDiningFuelShopping
AU Nomo Credit Card
Joining Fee
Rs. 199 + GST
Renewal Fee
N/A
Best Suited For
Shopping
AU Bank Xcite Credit Card
Joining Fee
Free
Renewal Fee
Free
Best Suited For
Shopping
Everything You Need to Know About HDFC Bank Credit Cards
Features and Benefits
Welcome Benefits
Get exclusive rewards and bonuses when you join
Rewards Program
Earn points on every purchase and redeem for exciting rewards
Travel Benefits
Complimentary lounge access and travel insurance
Experience a world of privileges with our credit cards, designed to enhance your lifestyle and provide value on every transaction.
Rewards & Redemption
Reward Points Structure
Regular Purchases2X Points
Travel Bookings5X Points
Dining3X Points
Online Shopping4X Points
Entertainment3X Points
Fuel1X Points
Redemption Options
Travel Miles
Convert points to airline miles
1 Point = 0.5 Miles
Shopping
Redeem at partner stores
1 Point = ₹0.25
Cashback
Direct credit to card
1 Point = ₹0.20
Fees & Charges
| Type | Amount | Details |
|---|---|---|
| Annual Fee | ₹500 - ₹12,000 | Varies by card type |
| Interest Rate | 3.49% per month | On revolving credit |
| Cash Advance | 2.5% or ₹500 | Whichever is higher |
| Late Payment | Up to ₹1,000 | Based on outstanding amount |
* All charges are subject to applicable taxes. Please refer to the most recent schedule of charges for detailed information.
How to Apply
1
Check Eligibility
Verify your age, income, and credit score requirements
2
Submit Documents
Provide KYC and income proof documents
3
Application Review
Wait for approval and card delivery
Required Documents
Identity Proof (Any one)
- Aadhaar Card
- PAN Card
- Passport
- Voter ID
Income Proof (Any one)
- Latest 3 months salary slips
- Form 16
- IT Returns (last 2 years)
- Bank statements (last 3 months)