Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • AU Bank Credit Cards

    AU Bank offers various credit cards based on spending habits and lifestyle. From the plethora of AU Bank credit cards, you can choose the one that is best suited for you. Here is the list of all AU Bank credit cards and their main features.

    AU Bank Credit Cards

    Features of AU Bank Credit Cards

    • You get airport and lounge access with a few AU Bank credit cards
    • There is no joining fee for the credit cards.
    • The interest ranges between 1.99% to 3.49%.
    • These credit cards offer spend-based milestone benefits.

    AU Bank Credit Card Types & Features

    AU Bank Zenith Credit Card

    Annual fee: Rs.7,999.

    Key Highlights of the AU Bank Zenith Credit Card:

    • Get 10,000 bonus reward points when you spend Rs.1 lakh within the first 60 days of your credit card being activated.
    • Earn 20 reward points for every Rs.100 you spend on dining.
    • Get 4 complimentary domestic airport lounge visits every calendar quarter.
    • Get air accident cover of Rs.2 crore.

    AU Bank Vetta Credit Card

    Annual fee: Rs.2,999

    Key Highlights of the AU Bank Vetta Credit Card:

    • Get vouchers worth Rs.2,000 when you spend Rs.30,000 within the first 60 days of the card being activated.
    • Get 10 reward points for every Rs.100 spent on utility bills payments.
    • Get Zomato Pro Annual Membership when you spend Rs.50,000 in one month.
    • Get 1,000 reward points as a bonus when you make one transaction on your birthday.

    AU Bank Altura Plus Credit Card

    Annual fee: Rs.499

    Key Highlights of the AU Bank Altura Plus Credit Card:

    • Get 1.5% cashback on POS transactions at partner merchant outlets
    • Get 2x reward points on online spends.
    • Earn 500 reward points as a bonus when you spend Rs.20,000 in one month.
    • Get 2 free railway lounge visits every calendar quarter in these cities:
      1. New Delhi
      2. Kolkata (Sealdah)
      3. Jaipur
      4. Ahmedabad
      5. Agra
      6. Madurai

    AU Bank Altura Credit Card

    Annual fee: Rs.199

    Key Highlights of the AU Bank Altura Credit Card:

    • Get 2% cashback on spends on grocery, departmental stores, and utility bills payments.
    • Get 1% fuel surcharge waiver when you spend between Rs.400 and Rs.5,000 on fuel.
    • Get Rs.50 cashback when you complete a minimum transaction amount of Rs.10,000 in every cycle statement.

    Comparison of top AU Bank Credit Cards

    Type of card Annual fee Joining Fee
    AU Bank Zenith Credit Card Rs.7,999 Nil
    AU Bank Vetta Credit Card Rs.2,999 Nil
    AU Bank Altura Plus Credit Card Rs.499 Nil
    AU Bank Altura Credit Card Rs.299 Nil

    Fees and Charges of AU Bank Credit Cards

    Type of charge Fee
    Fee for an add-on card NIL
    Revolving credit charge
    • Altura, Altura Plus - 3.49% per month (41.88% annually)
    • Vetta - 2.99% per month (35.88% annually) Zenith - 1.99% per month (23.88% annually)
    Cash advance fee 2.5% of amount withdrawn, subject to a minimum of Rs.100
    Limit for cash advance
    • Altura, Altura Plus - 40% of the credit limit
    • Vetta - 30% of the credit limit
    • Zenith - 20% of the credit limit
    Minimum repayment amount 5% or minimum Rs.100
    Overlimit charges 2.5% of overlimit amount, subject to a minimum of Rs.500
    Fee for redeeming reward points NIL
    Cash processing fee NIL
    Fee for processing an outstation cheque Rs. 25
    Processing fee for balance transfer
    • 1% of the balance transfer amount
    • This fee is subject to a minimum amount of Rs.250
    Credit card validation fee at lounges Rs.2
    EMI conversion fee
    • 1% of the amount you convert into EMIs
    • The EMI conversion fee is subject to a minimum of Rs.250
    Charge for Priority Pass Lounge $27 plus taxes per person for every visit
    Foreign currency mark-up fee
    • Altura, Altura Plus - 3.49%
    • Vetta - 2.99%
    • Zenith - 1.99%
    Fee for duplicate physical statement request Rs.100
    Fee for reissue of lost/damaged/stolen credit card Rs.100
    Goods and Services Tax (GST) 18%
    Late Payment Charges
    Outstanding amount Late payment fee
    Less than Rs.100 NIL
    Rs.100 to Rs.500 Rs.100
    Rs.501 to Rs.5,000 Rs.400
    Rs.5,001 to Rs.20,000 Rs.500
    More than Rs.20,000 Rs.700

    Eligibility Criteria to Apply for AU Bank Credit Cards

    • The add-on cardholder has to be more than 18 years old.
    • As the primary cardholder, your age has to be between 21 years and 60 years.
    • You have to be a resident of India to apply for the credit card.

    How to Apply for an AU Bank Credit Card Online

    How to Contact AU Bank Credit Card Customer Care

    • You can call the bank's customer care at 1800 1200 1200.
    • You can also write to creditcard.priority@aubank.in

    How to Earn and Redeem Reward Points

    You can redeem the reward points earned on the AU Bank credit cards for:

    • Merchandise on the AU Bank catalogue
    • E-vouchers of partner brands
    • Flight ticket bookings
    • Hotel room bookings
    • Mobile/Direct-to-home (DTH) recharges

    How to Close your AU Bank Credit Card

    You will can contact the AU Bank credit card customer care number and/or send a letter of written communication and ask the bank to close your credit card.

    FAQs on AU Bank Credit Cards

    1. How do I reach the AU Bank concierge desk?

      You can reach the AU Bank concierge desk by calling the toll-free number, 18002100298. You can also call 022-42320298 to reach the concierge desk.

    2. What is the foreign currency mark-up fee for the credit cards?
      • Altura, Altura Plus - 3.49%
      • Vetta - 2.99%
      • Zenith - 1.99%
    3. How old should the add-on credit cardholder be?

      The add-on cardholder has to be more than 18 years old.

    4. Which e-mail ID can I write to for queries regarding the AU Bank credit cards?

      You can write to creditcard.priority@aubank.in and clarify your doubts on the AU Bank credit cards.

    5. How much GST will be applicable on an AU Altara Plus Credit Card?

      18% GST will be levied on fees and other charges on an AU Altara Plus Credit Card.

    6. What is the joining fee of the AU Bank Zenith Credit Card?

      There is no joining fee for AU Bank Zenith Credit Card.

    7. What is the maximum limit for AU Bank credit cards?

      On AU credit cards, there is no set limit. It is determined by the applicant's income and CIBIL score. Individuals with a high income and a high CIBIL Score are more likely to be given a large credit limit. To secure fast approval for the AU Bank Credit Cards, the applicant must have a CIBIL Score of 750 or higher.

    8. What is the minimum and the maximum age limit to avail an AU Bank Credit Card?

      To avail an AU Bank Credit Card, the applicant should be under the age limit between 21 years to 60 years.

    9. What are the documents required to avail an AU Bank Credit Card?

      To apply for a credit card from AU Bank, you have to submit several documents like Permanent Account Number (PAN) card, Aadhar card, passport, driving licence, Voter ID, electricity bill, last six months' salary slips, Income Tax Returns (ITR) of last two years, and birth certificate.

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