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What credit cards are offered by AU Small Finance Bank?

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With widening income disparities in India, we shouldn’t expect one shoe to fit all. As we move up in the ladder of different income groups there is a huge shift in credit requirements, budget and financial habits.However, whatever the income group may be, the goal remains the same that is financial empowerment.Hence, to cater needs to different types of income groups across India, AU Small Finance Bank has come up with four different types of credit cards. In order to help you choose the best one for you, we bring to you everything you need to know before applying online for AU Small Finance Bank Credit Card. So let’s start :

AU Small Finance Bank Zenith Credit Card

Reward System (1 Reward Point = 0.25 Paise)

  • 20 reward points per Rs 100 retail spend done on dining at Standalone restaurants.Therefore, the reward rate is 5%.
  • 10 reward points per Rs 100 retail spending done on International transactions, Grocery, and Departmental stores. Therefore, the reward rate is 2.5%
  • 5 Reward Points per Rs 100 retail spends done across all other merchant categories. Therefore, the reward rate is 1.25%.
  • Note: Fuel transactions are excluded from earning reward points.

Charges {Joining / Annual : Rs 7999 without GST}

  • For 1st year fee waiver : Rs 125000 retail spends done within 90 days of card set up.
  • For 2nd year onwards fee waiver : Rs 5,00,000 retail spends done in previous card anniversary year.

Benefits

  • Railway Lounge Access: 2 per quarter
  • Airport Lounge Access: 2 International (Priority Pass)  with an addition of 4 Domestic per quarter
  • Markup Fees: 1.99% per month or 23.88% per annum
  • Fuel Surcharge Waiver: 1% Fuel Surcharge waiver at all fuel stations across India with no limit.


AU Small Finance Bank Vetta Credit Card 

Reward System(1 Reward Point = 0.25 Paise)

  • 10 Reward Points per Rs 100 retail spends done on utility bill payments. Thereby, the reward rate is 2.5%.
  • 4 Reward Points per Rs 100 retail spends done on grocery and departmental store spends. Therefore, the reward rate is 1%.
  • 2 Reward Points per Rs 100 retail spends done across all other merchant categories. Therefore, the reward rate is 0.5%.
  • Note: Fuel transactions are excluded from earning reward points.=

Charges {Joining / Annual : Rs 2999 without GST}

  • For 1st year fee waiver : Rs 40,000 retail spends done within 90 days of card set up.
  • For 2nd year onwards fee waiver : Rs 1,50,000 retail spends done in previous card anniversary year.

Benefits

  • Railway Lounge Access: 2 per quarter
  • Airport Lounge Access: 1 International (Priority Pass) with an addition of 2 Domestic per quarter
  • Markup Fees: 2.99% per month or 35.88% per annum
  • Fuel Surcharge Waiver: Fuel Surcharge waiver at all fuel stations across India upto Rs 250 every month.

AU Small Finance Bank Altura Plus Credit Card 

Reward System(1 Reward Point = 0.25 Paise)

 

  • 1.5% Cashback on all POS retail spends done at merchant outlets (Maximum cashback per statement cycle is Rs 100)
  • 1 Reward Points per Rs 100 retail spend (except fuel) on POS, after you reach the maximum cashback limit. Therefore, the reward rate is 0.25%.
  • Note: Fuel transactions are excluded from earning reward points.

Charges {Joining / Annual : Rs 499 without GST}

  • For 1st year fee waiver : Rs 20,000 retail spends done within 90 days of card set up.
  • For 2nd year onwards fee waiver : Rs 80,000 retail spent in previous card anniversary year.

Benefits

  • Railway Lounge Access: 2 per quarter
  • Airport Lounge Access: Nil
  • Markup Fees: 3.49% per month or 41.88% per annum
  • Fuel Surcharge Waiver: Fuel Surcharge waiver at all fuel stations across India upto Rs 150 every month.

AU Small Finance Bank Altura Credit Card

Reward System 

  • 2% Cashback on all retail spends done at Grocery stores, Departmental stores and Utility bill payments(Maximum cashback per statement cycle is Rs 50)
  • 1% Cashback on all retail spends(Maximum cashback per statement cycle is Rs 50)
  •  (Note: Fuel transactions are excluded from earning reward points.

Charges {Joining / Annual : Rs 199 without GST}

  • For 1st year fee waiver : Rs 10,000 retail spends done within 90 days of card set up.
  • For 2nd year onwards fee waiver : Rs 40,000 retail spent in previous card anniversary year.

Benefits

  • Railway Lounge Access: 2 per quarter
  • Airport Lounge Access: Nil
  • Markup Fees: 3.49% per month or 41.88% per annum
  • Fuel Surcharge Waiver: Fuel Surcharge waiver at all fuel stations across India upto Rs 100every month.

We hope this article helped you in making the right decision, it’s time for you to login into the AU Small Finance Bank Website and start your journey of financial empowerment by applying for best credit cards in India online.

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