AU Small Finance Bank Credit Cards

You can apply for lifestyle credit cards from AU Small Finance Bank on Bajaj Markets. Check out the details below:

Disclaimer: The fees and benefits mentioned may change as per the policies of the issuer. Check them before you apply. 

From accelerated rewards to milestone benefits, there are many advantages of cards offered by this bank. Here is a snapshot of the wide range of features you can enjoy:

AU Small Finance Bank Vetta Credit Card

• Earn 4 accelerated reward points on eligible spends at grocery and departmental stores 

• Get a flat ₹2,000 voucher on minimum spends of ₹30,000 within the first 60 days of activation

• Get 1000 bonus reward points on retail spends done on your birthday

AU Small Finance Bank LIT Credit Card

• Enjoy up to 4 complimentary airport lounge visits

• Choose to earn up to 10X reward points on online domestic and international retail purchases

• Get 5% cashback up to ₹500 for every 30 days, valid till 90 days

The issuer offers an innovative rewards program that allows you to earn accelerated rewards on a range of transactions. These include groceries, insurance, telecom, utilities, fashion, and more. You can redeem points in the form of e-vouchers, merchandise, mobile recharges, hotel bookings, and much more. Some of the brands you can shop from include Myntra, BATA, BookMyShow, and Zomato.

Here are a few important points worth knowing: 

• Redeem points via the AU Rewardz portal by logging in with your online username and password

• You can also redeem points in select brand partner outlets

• A flat rate of ₹99 is applicable on redemption

• Unutilised reward points will expire after 24 months

• Each reward point will be valued at ₹0.20 if redeemed against gift cards, vouchers, or e-vouchers

• Your reward points will be credited to your account in 7 working days from the date of accrual

The eligibility terms for one AU Small Finance Bank credit card may differ from another. While you can check the specific criteria, see the general terms set by the bank below to ensure faster approval. To qualify, you need to be:

• An Indian citizen 

• Atleast 21 years old (Minimum age requirement is 18 years for add-on card holders)

• Not over 60 years old

• Either salaried or self-employed

• Meeting the minimum income criteria

It's important to keep in mind that these eligibility criteria are provided as general guidelines and may be subject to variation based on individual circumstances.

The bank may need certain documents to confirm your eligibility and verify the detail on your application form. Keeping the required documents handy can help you apply for the card of your choice easily. Here is the general list of documents:

• Identity Proof:

  • PAN Card

  • Passport

• Address Proof:

  • Aadhaar Card

  • Ration Card

  • Utility Bill (electricity, water)

• Income Proof:

  • 3 months bank statement

  • Salary slips, Form 16, Income Tax Returns (ITR)

No matter which card you wish to get, going the online route is quicker and more convenient. The process to apply on Bajaj Markets is safe and keeps your data protected. Follow the steps below to submit your application:

1. Click on ‘Check Eligibility’ and fill in your phone number, date of birth, occupation, and other details

2. Enter the One-Time Password (OTP) sent to your phone number

3. Verify the pre-filled details like your PAN card number, residential PIN code, email address, and income information

4. Apply for the card that suits your needs from the available options

5. Click on ‘Submit’ to complete your application

In 2021, the bank launched a credit card portfolio aimed to empower customers. By 2023, it had over 6 lakh active credit cards.  AU Small Finance Bank’s cards come with a wide range of perks and benefits. 

The bank is the first to launch India’s customisable credit card, the AU LIT (Live It Today) Credit Card. It gives you the power to select or modify the card’s benefits, features, and pricing.

Payment Networks Available on AU Small Finance Bank  

AU Small Finance Bank has credit cards hosted on the VISA and RuPay networks.

Here are a few general charges you may incur while using a credit card from this issuer:

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: Fees and charges may change based on updates by the issuer. Check the latest charges applicable as per the Most Important Terms and Conditions (MITC).

To raise a query or address issues relating to your card, you can reach out to AU Small Finance Bank’s customer care:

• Call:

  • 1800 1200 1500 (toll-free)

  • 0141 7141100

  • 0141 4455000 

  •  

• Email:

  • creditcard.support@aubank.in

  • creditcard.priority@aubank.in (for the AU Small Finance Bank Vetta Credit Card)

  • customercare@rewardz.aubank.in (for queries related to rewards)

To start enjoying the benefits of your credit card, you will need to activate it. To do so, you can:

• Download the AU 0101 mobile app or log in to your net banking account to set up a PIN

• Contact AU Bank’s helpline number or visit an AU Bank ATM

• Follow the steps specified on the dedicated Credit Card Activation Page on the AU Bank website

You can close your credit card account with any issuer, including AU Small Finance Bank.

1. First, keep in mind that closing your account means that you will not be able to use it for purchases in the future

2. Think this through, as closure can impact your credit score and spending capacity. When you are ready to apply for a new card, you can compare options on Bajaj Markets. 

3. Before closing your account, settle all unpaid dues and redeem your points

4. Next, submit your card account termination request. You can send an email, message the chatbot, visit a bank branch, or call customer care. 

5. Your closure request will be addressed within 7 working days. You can check your credit report to ensure that your account is cancelled. 

6. Remember, AU Small Finance Bank will initiate the process to close your credit card if you don’t use it for over one year.

You will get reminders from time to time to settle all outstanding bills if you default on your card payments. The issuer will reach you via WhatsApp, telephone, email, SMS messages, or post. Sometimes, third parties will be engaged to remind, follow up, and collect these dues. These parties will adhere to the debt collection code of conduct.

You will also get a notice of 7 days before the issuer reports the default to a credit information company. If you clear your overdue balance after being reported as a defaulter, the status will be updated within 30 days of settlement.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.