Up To 90% Off AU Bank Credit Card Offers & Deals

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AU Small Finance Bank is one of the most leading small banks in India. The bank aims to provides various kinds of banking services to the lower segment in society. It offers many services including the credit cards, debit cards, etc. If you are someone who is looking for a low maintainance, easy easily accessible credit card then be here and continue further to know more details about the same.

AU SwipeUp Platform Credit Card 2024

AU SwipeUp Platform is a very special place where the customers can compare their existing credit card. AU Bank has made this Platform in order to give a credit card to customers based on their lifestyle.

This Platform will allow the customer to check their current credit card services and benefits with the AU Bank Credit Card. This helps the card holder to customize and choose a credit card that better fits their lifestyle and enhances their experience as well. If any customer decides to upgrade their credit card to the AU Bank then it can easily do the same for which the bank does not even charge Joining or Annual Fee. Various Cashbacks, reward points and other facilities can be researched and crosschecked with the help of the AU SwipeUp Platform.

AU Altura Credit Card Details

The credit card is straightforward and comes with low maitainance. It is ideal for individuals looking for simple Card but with all the necessary facilities. It is good for everyday usage including shopping and traveling. The card comes with great cashback and milestone offers. It is good for regular usage and gives access to various services to their customers.

While highlighting about the facilities of the credit card, it comes with the access to digital payments and also provides financial protection to their customers. The credit card is well suited for beginners who look for a budget friendly credit card to manage their earnings.

Joining Fee: Rs 199+ GST

Annual Fee: Rs 199+ GST (is waived off if you spend more than Rs 40000 per year)

Benefits:

• The credit card provides 2% cashback offer for paying utility bills and while paying at Grocery stores.
• It provides 1% cashback on every other retail outlet
• The credit card is easy to access with its digital payment facility including the contactless payment and net banking
• It provides an additional Rs 50 if you spend more than Rs 10000 in the form of Milestone Offer
• The credit card provides access to railway lounge at selected locations making it suitable for travelling as well
• It tends to provide warranty services on the purchase of electronics
• It offers financial protection services in case the credit cardbis lost

Credit Card Interest Rates

The bank does not charge any Interest for the first 48 days making it easy and flexible for the customers. But, if you decide to carry forward the amount to the next cycle, the bank charges an Interest rate of 3.5% every month.

AU Altura Plus Credit Card Details

There are individuals who look for more cashbacks and benefits from their credit card. If you are one of those then check out the AU Altura Plus Credit Card. It is suitable for people who spend on everyday expenses with their credit card. The card comes with additional features and benefits that the basic AU Altura Credit Card fails to offer. It is ideal for individuals looking for using their credit card for daily purchases and bills payment while expecting cashbacks and reward points in return.

Joining Fee- Rs 499+ GST

Annual Fee- Rs 499+ GST (is waived off if you spend more than Rs 80000 a year)

Benefits:

• The credit card offers 1.5% cashback on spending at any retail outlet
• When you spend on retail stores, you’ll receive 2x reward points for the same
• It comes with travelling perks including 2 complementary railway lounge access at selected locations
• The card tends of offer EMI option for easily managing the higher amount purchases
• The card does not hold any liability to customer in case the credit card is lost
• Unlike the basic Altura Credit Card, this one offers 1% fuel waiver as well

AU Altura Plus Credit Card Interest Rates

The bank charges a minimum interest rate of 3.5% every month and also gives the flexibility of 48 days no interest charge if there is no outstanding amount.

AU LIT Credit Card Details

AU LIT Credit Card is India’s first credit card that the user can customize as per its preferences. One can customize the rewards, cashbacks and discount offers that fits into their life well. The card is made versatile in nature in order to suit anyone’s lifestyle. A user can expect premium experience and services with this credit card. It is ideal for everyday spending may it be groceries, shopping or any others.

Joining Fee- Rs 499+ GST

Annual Fee- Rs 499+ GST (it is waivered if the Annual spending is more than Rs 100000)

Benefits:

• Customizable credit card in the form of cashbacks or reward points on online shopping, utility payments or Grocery shopping.
• One can expect maximum 5% cashback on everyday spending
• Availability of customization on subscription plans as well including Amazon Prime, ZEE5, etc
• Card offers easy access to EMI options for managing and controlling money efficiently
• Credit Card provides 1% fuel waiver at selected fuel stations
• It comes with additional facility including the airport lounge access

AU LIT Credit Card Interest Rates

The interest rate of the credit card includes an interest free period up to 48 days and charges approximately 4.5% every month

How To Apply for an AU Bank Credit Card?

One might wonder the process to apply for a AU credit card online. Follow the below given steps carefully and avail the credit card services as per your lifestyle-

1. Visit the Official Website- The very first step is to visit the official AU bank website and login into the account by filling in the login credentials
2. Choose a Credit Card- The next step is to select a credit card you want to apply. Some of the credit card details are already mentioned.
3. Start the Application Process- After you have decided on your credit card, start out the application process and fill the details properly
4. Submit the required documents- While filling the application form make sure that you have checked your eligibility and move ahead to filling in the personal information including the full name, date of birth contact details, etc. Submit all the necessary documents including the Aadhar Card, Address Proof, Income Proof, etc.
5. Submit the Application Form- After you have filled the details, cross check and verify the details. Submit the application form and wait for the approval.

Thus, by following the steps one can easily apply for a credit card online. One can also check the AU credit card status by logging into the personal account. After the form is approved, it will be delivered to your verified address in a few days. The process is made hassle free so that customers can avail the perks of a credit card.

Documents Required On AU Bank Credit Card

There are a few documents that are mandatory in order to apply for an AU Credit card. Following is the list of the required documents-

1. Aadhar Card
2. PAN Card
3. Income Proof (Salary slips, Income Tax Return,etc)
4. Passport Size Photograph
5. Address Proof (Aadhar Card, Electricity Bill, etc)

These are the documents that should be submitted while filling out the application form.

Eligibility of AU Credit Card

The very important step before filling out the application form is to check the eligibility of AU Credit Card. Like any other bank, AU bank also has some pre-built eligibility criteria for credit card users. The eligibility of AU Credit Card includes-

• Minimum age of the Applicant should be 21 years
• The applicant should have a stable income of around Rs 25000 a month or should be self employed
• The applicant should have a good Credit score in the past
• The applicant should have a valid income proof for application. This can include Income Tax Return, Salary Slips, etc

Please note that the application form would be accepted and confirmed only if the applicant checks all the boxes of the eligibility criteria. One can also visit the official AU Bank website for more details.

Conclusion

These were the details of the AU Bank Credit Card. The bank tends to provide many AU Credit Card benefits to their customers. One can also contact the AU credit card customer care number in case of any difficulty or doubts. The AU credit card payment process is made very hassle free in nature. It is ideal for individuals looking for everyday spending and unique payment. The credit card offers many other such services to the card holder and thus helps them manage and control their money

AU Bank Credit Card FAQ