AU Credit Cards – Features, Benefits and Offers

Posted On October 27, 2023

A Credit Card is a financial instrument that allows users to make cashless transactions on the basis of a pre-defined credit limit. A credit limit can be determined based on credit history, income, and credit score. A Credit Card provides a plethora of privileges like grocery shopping, international trips, movies, dining, fuel, etc.

AU Bank Credit Cards are available in different variants like Lit Credit Card, AU Zenith Credit Card, AU Vetta Credit Card, AU Altura Plus Credit Card, and AU Altura Credit Card.

Credit Card Services

Mentioned below is the list of services that are offered by AU Bank:

• Set/ Reset My PIN

To generate or change credit card PIN for doing secure chip + PIN transactions.

• Manage Features of LIT Credit Card

Activate, switch on/ off features, and track usage, and cashback rewards on LIT Credit Card.

• Enable/ Disable Transaction Types

Enable/ Disable your credit card transaction types like online, international, etc.

• Block Lost/ Stolen Card

Immediately block your lost or stolen card.

• Add-On Credit Card

Share the benefits of the credit card with your loved ones with the help of add-on cards.

• Update Insurance Nominee

Update the details of your nominee for the insurance applicable to the card.

• Token Management Service 

Manage the card tokens created while saving credit cards on different merchants.

AU Credit Card Features & Benefits

Mentioned below are the features and benefits of the AU Small Finance Bank Credit Card:

A. LIT Credit Card

• India’s first customizable credit card
• Power to select features based on lifestyle, and switch on/off features as per requirement.
• Earn an additional 5% cashback for travel, dining, and grocery expenses in addition to 1 Reward Point per INR 100 spent.
• Enjoy 4 complimentary visits per quarter with LIT Credit Card
• Get 3 months free membership of ZEE5, Amazon Prime, and Cult.fit

B. Zenith Credit Card

• Enjoy complimentary Domestic and International Airport Lounge Airport access. Also, avail Railway Lounge Access at select railway stations in India.
• Get a voucher worth INR 1,000 on 1^st successful retail transaction on POS.
• Get 10,000 bonus Reward Points on spending INR 1 Lakh in the first 60 days from the date of issuance.

C. Vetta Credit Card

• Enjoy complimentary Domestic and International Airport Lounge access. Also, avail Railway Lounge Access at select railway stations in India.
• Get a 1% Fuel Surcharge Waiver for transactions done between INR 400 and INR 5,000.
• Get vouchers worth INR 2,000, after a successful spend of INR 30,000 in the first 60 days of the Credit Card issuance date.

D. Altura Plus Credit Card

• Get 2 complimentary Lounge Access every quarter at railway stations in selected cities.
• Get 1% Fuel Surcharge Waiver*
• Get 1.5% cashback on POS retail transactions and 2x Reward Points on using the Card online.

E. Altura Credit Card

• Get 2 Complimentary Lounge Access every quarter at railway stations in selected cities.
• Enjoy additional cashback of INR 50 on completing a minimum of INR 10,000 retail spends in all statement cycles.
• Save big by availing up to 7% Cashback as an introductory/activation offer. Get 2% Cashback on spends done on.

How to Apply for a Credit Card in AU Bank?

Mentioned below are the steps to apply for a credit card in AU Bank:

Step 1: Log in to the AU 0101 App and then click on “Offers”.

Step 2: Check the eligibility for Pre-Approved offers on credit cards, if any.

Step 3: In case of non-eligibility of the offer, go to the main menu, go to the credit card section, and click on “Apply Now”.

Step 4: Enter your mobile number along with your PAN Card Number.

Step 5: Select Customer ID and then click on “Next”.

Step 6: Verify the Aadhar Card Number.

Step 7: Enter the address along with personal and employed details.

Step 8: As per eligibility, choose the credit card of your choice.

Step 9: Upload address proof.

Step 10: Submit the application.

How to Check the Application Status of an AU Bank Credit Card?

Mentioned below are the steps to check the AU Bank Credit Card Application Status:

Step 1: Open the official website of AU Bank Credit Card.

Step 2: Enter the service request number to track the AU Bank Credit Card Application Number.

The different statuses shown as a result are mentioned below:

• Application in progress: The credit card application is currently being processed by the bank.
• Application approved: The application has been reviewed and approved by the bank.
• Card dispatched: After approval, the bank will send out the credit card, and you will receive an SMS notifying you of the expected delivery date.
• Application on hold: The bank has temporarily put the application on hold, typically due to issues such as unverified documents. You may be required to provide additional documentation.
• Application disapproved: Your credit card application has not met the bank’s eligibility criteria and has been declined.

How to Activate an AU Bank Credit Card?

Mentioned below are the steps to activate a credit card in AU Bank:

• Visit aubank.in >> Cards
• Click on “Credit Cards”.
• Then select “Credit Card Services” on the Credit Card page.
• Click on the tab “Activate Credit Card” and click on “Click Here”.
• Enter your Credit Card Number.
• Authenticate by entering the OTP.
• And follow the process further.

AU Credit Card Charges

Mentioned below are the annual charges of different AU Credit Card:

• Zenith – INR 7,999
• Vetta – INR 2,999
• Altura Plus – INR 499
• Altura – INR 199
• LIT – Life Time Free

Different Modes of AU Bank Credit Card Bill Payment

Online Modes:

1. Net Banking
2. Auto-Pay

Mobile App

1. NEFT
2. UPI
3. Bill Desk

Offline Modes:

1. Cash Payment
2. Cheque Payment

• ATM Funds Transfer

Processing Time of Credit Card Bill Payment