Best AU Small Finance Bank credit cards - Compare & Apply Online

Au Small Finance Bank Ltd. is a private bank based in Jaipur, Rajasthan. Founded in 2017, it evolved from Au Financiers, an NBFC. That firm aimed to serve underserved communities.

The bank offers savings accounts, fixed deposits, personal loans, and microfinance. It targets small businesses, self-employed individuals, and low-income customers to promote financial inclusion.

By 2024, Au Small Finance Bank will have over 600 branches and 1,000 ATMs in India. It uses technology to improve customer service and operations. The bank is also committed to social responsibility and community development.

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Joining Fee
Free
Annual Fee
Free
APR
41.88%
Min. Credit Score
700

FEATURES

  • Get a 1% fuel surcharge waiver on INR 400-5000 spending.
  • Upto 10X reward on online and offline spending.
  • Premium membership to OTT and Cult.fit.

WELCOME OFFERS

  • Customised based on the card selected
  • Movies: 3 months complimentary membership to OTT

FOREIGN TRANSACTION FEE

3.49% *Applicable Taxes

FRAUD LIABILITY

Zero

Joining Fee
₹499
Annual Fee
₹499
APR
41.88%
Min. Credit Score
700

FEATURES

  • 500 bonus reward points on INR 20000 monthly spend.
  • 1.5% cashback on POS transactions at retail outlets.
  • 2X reward on all online transactions.

WELCOME OFFERS

  • Kickstart your journey with vouchers worth ₹ 500 on minimum retail spends of ₹ 10,000 within 60 days of card setup.
  • Select vouchers from the top brands of your choice from the list.
  • Lounges: 2 Complimentary railway lounge access quarterly

FOREIGN TRANSACTION FEE

3.49% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

Joining Fee
₹199
Annual Fee
₹199
APR
41.88%
Min. Credit Score
750

FEATURES

  • INR 50 cashback monthly on spending over INR 10,000.
  • 2 free quarterly visits to railway lounges.
  • 1% cashback on all other spends, max INR 50 monthly.

WELCOME OFFERS

  • 5% Cashback on initial retail purchase of minimum INR 2500 with the 60 days of card issuance with a maximum of INR 150 during the statement cycle
  • Movies: Buy one get one Free

FOREIGN TRANSACTION FEE

3.49% *Applicable Taxes

FRAUD LIABILITY

Zero lost card liability

Joining Fee
₹7999
Annual Fee
₹7999
APR
23.88%
Min. Credit Score
750

FEATURES

  • Earn INR  1,000 shopping vouchers quarterly on INR  2 lakh retail spend.
  • 5 reward points on spending INR 100 on merchant categories.
  • Receive 2500 reward points on a birthday retail transaction.

WELCOME OFFERS

  • Enjoy a choice of 1,000 INR  worth of vouchers with your first POS retail purchase.
  • Spend INR  1 lakh within 60 days of card activation to earn 10,000 additional reward points.
  • Fuel and cash-linked transactions will not be considered when calculating bonus reward points.

FOREIGN TRANSACTION FEE

1.99% *Applicable Taxes

FRAUD LIABILITY

Zero lost card liability

Joining Fee
₹2999
Annual Fee
₹2999
APR
35.88%
Min. Credit Score
750

FEATURES

  • 10 reward points on utility bill payment of INR 100
  • Spend INR  50000 or above to get Complimentary Zomato Pro membership
  • 1000 reward points on 1 retail transaction on birthday

WELCOME OFFERS

  • New cardholders receive INR  2000 in vouchers for minimum retail spending of INR  30,000 within the first 60 days.
  • Choose from a selection of premium brands.

FOREIGN TRANSACTION FEE

2.99% *Applicable Taxes

FRAUD LIABILITY

Zero lost card liability

Joining Fee
₹4999
Annual Fee
₹4999
APR
42%
Min. Credit Score
750

FEATURES

  • For every INR 100 spent on travel, eating, and overseas purchases, you can earn 2 reward points.
  • Earn one reward point for every INR 100 on purchases from all merchant categories.
  • The lowest cross-currency foreign mark-up costs are charged on all international transactions, at 0.99%.

WELCOME OFFERS

  • Opportunity to select from a range of luxury brand vouchers or even reward points worth INR 5000 on the card activation
  • Movies: Upto 4 BOGO tickets every quarter via BookMyShow.

FOREIGN TRANSACTION FEE

0.99% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

AU Bank Xcite Credit Card
AU Bank Xcite Credit Card
Shopping
Lifetime Free
Rewards
Railway Lounge
4.5
Joining Fee
Free
Annual Fee
Free
APR
42%
Min. Credit Score
700

FEATURES

  • A perfect lifetime free credit card with multiple benefits.
  • Enjoy high-value rewards points upto 15 on spending INR 100.
  • Get 2 railway lounge access every quarter.

WELCOME OFFERS

  • N/A

FOREIGN TRANSACTION FEE

3.49% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

AU Bank Xcite Ultra Credit Card
AU Bank Xcite Ultra Credit Card
Shopping
Rewards
Lifetime Free
Travel
Fuel
4.6
Joining Fee
Free
Annual Fee
Free
APR
41.88%
Min. Credit Score
700

FEATURES

  • Get amazing benefits and rewards with the lifetime free credit card.
  • Enjoy the complimentary lounge access to the limit of 2 times per quarter.
  • Enjoy the fuel surcharge waiver of 1% on all your fuel transactions.

WELCOME OFFERS

  • N/A

FOREIGN TRANSACTION FEE

3.49% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

Joining Fee
Free
Annual Fee
Free
APR
42%
Min. Credit Score
700

FEATURES

  • Get access to the lifetime free credit card.
  • Enjoy 1% cashback on your transactions.
  • Seamlessly link your credit card with UPI for quick and easy payments.

WELCOME OFFERS

  • Get the benefit of a virtual credit card from day one.

FOREIGN TRANSACTION FEE

3.5% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

AU Nomo Credit Card
AU Nomo Credit Card
Shopping
Rewards
Travel
Fuel
Railway Lounge
5.0
Joining Fee
₹199
Annual Fee
₹199
APR
43.08%
Min. Credit Score
0

FEATURES

  • Get a 1% fuel surcharge waiver on your transactions.
  • Enjoy 2 reward points on each retail transaction of INR 200.
  • Get the least forex markup fees of 0.99%.

WELCOME OFFERS

  • Get 500 reward points with the first translation within 30 days.

FOREIGN TRANSACTION FEE

0.99% *Applicable Taxes

FRAUD LIABILITY

Lost Card Liability Cover

Joining Fee
₹999
Annual Fee
₹999
APR
-1%
Min. Credit Score
-1

FEATURES

  • N/A

WELCOME OFFERS

  • N/A

FOREIGN TRANSACTION FEE

-1% *Applicable Taxes

FRAUD LIABILITY

N/A

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