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Small finance bank

AU Small Finance Bank credit cards: 24 you can apply for

The best one for most people is ixigo AU.

₹19,900a year after fees, at ₹75,000 a month

ixigo AU credit card

ixigo AU

₹19,900 a year, after fees

₹0 fee · Lounges in India and abroad · No forex markup · Reward rate 1.3%

Ranked lower: includes points worth full value only in one app

Keep

It pays back the most of the 23 AU Small Finance Bank cards open to apply that we can value.

Rank all 24 at your own spend in the card finder

Verified 13 sources

Points and where they go

AU Small Finance Bank's main points currency is AU Reward Points, worth ₹0.25 a point; it does not transfer to an airline or hotel. Its cards earn 4 kinds of points in all.

What AU Small Finance Bank cards earn
ProgrammeWorth a pointCardsPartners
AU Reward Points₹0.2520none
CheQ Points₹0.501none
ixigo AU Reward Points₹0.501none
Zagg Coins₹0.251none

5 more cards pay cash back. Values are what we think a point is worth in India.

Recent changes

All 11 AU Small Finance Bank changes since 2021

All 31 AU Small Finance Bank cards

Fees run ₹0 to ₹7,999, and 13 of them are genuinely free for life; 1 charges nothing a year but a joining fee to get in. We cannot value 3 of them: AU Small Finance Bank publishes no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 27 keep, 0 downgrade, 4 cancel.

Open to apply 24

  1. ixigo AU credit card

    ixigo AU

    ₹19,900 a year, after fees

    ₹0 fee · Lounges in India and abroad · No forex markup · Reward rate 1.3%

    Ranked lower: includes points worth full value only in one app

    Keep

  2. AU Zaggle Credit Card

    ₹4,500 a year, after fees

    ₹0 fee · Reward rate 0.5%–2%

    Ranked higher: its bonus category adds ₹1,500 a year

    Keep

  3. Aditya Birla Capital AU Pro

    ₹4,200 a year, after fees

    ₹999 fee · Lounges in India and abroad · Reward rate 0.5%–1.3%

    Ranked higher: its bonus category adds ₹1,700 a year

    Keep

  4. Paytm AU Credit Card

    Paytm AU Credit Card

    ₹4,500 a year, after fees

    ₹0 fee · Lounges in India · 3.49% forex markup · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  5. AU Laksya Credit Card

    AU Laksya Credit Card

    ₹4,200 a year, after fees

    ₹1,000 fee · Lounges in India · 3.49% forex markup · Reward rate 0.5%–1.3%

    Ranked higher: its bonus category adds ₹1,700 a year

    Keep

  6. AU CA Metal

    ₹4,500 a year, after fees

    ₹0 fee · Lounges in India · 1.99% forex markup · Reward rate 0.5%–2%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  7. AU CS

    ₹4,500 a year, after fees

    ₹0 fee · Lounges in India · 1.99% forex markup · Reward rate 0.5%–2%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  8. AU SPONT Credit Card

    ₹5,700 a year, after fees

    ₹299 fee · Lounges in India · 3.49% forex markup · Reward rate 1%

    Keep

16 more open to apply by value

  1. AU Bank NOMO Credit Card

    ₹5,000 a year, after fees

    ₹199 joining · Lounges in India · Reward rate 0.5%

    Keep

  2. CheQ AU Credit Card

    ₹4,200 a year, after fees

    ₹0 fee · 3.49% forex markup · Reward rate 0.5%–6%

    Keep

  3. AU Tejas Credit Card

    ₹2,100 a year, after fees

    ₹500 fee · 3.49% forex markup · Reward rate 0.3%–10%

    Ranked higher: its bonus category adds ₹2,600 a year

    Keep

  4. AU Bank Traverse Credit Card (NRI)

    ₹4,000 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · Reward rate 0.5%–1%

    Keep

  5. AU Prathama Credit Card

    ₹4,100 a year, after fees

    ₹100 fee · 3.49% forex markup · Reward rate 0.3%–0.5%

    Keep

  6. Aditya Birla Capital AU Flex

    ₹2,300 a year, after fees

    ₹0 fee · Reward rate 0.3%–0.8%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  7. Aditya Birla Capital AU Nxt

    ₹2,300 a year, after fees

    ₹0 fee · Reward rate 0.3%–0.8%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  8. AU Altura Plus Credit Card

    ₹3,200 a year, after fees

    ₹499 fee · 3.49% forex markup · Reward rate 0.3%–1.5%

    Keep

  9. AU LIT Credit Card

    ₹1,700 a year, after fees

    ₹0 fee · 3.49% forex markup · Reward rate 0.3%–2.5%

    Keep

  10. AU Altura Credit Card

    ₹1,200 a year, after fees

    ₹199 fee · 3.49% forex markup · Reward rate 1%–2%

    Keep

  11. AU InstaPay RuPay Credit Card

    ₹1,200 a year, after fees

    ₹0 fee · 3.49% forex markup · Reward rate 1%

    Keep

  12. AU Ananta credit card

    AU Ananta

    ₹11,500 a year, after fees

    ₹2,000 fee · Lounges in India · 3.49% forex markup · Reward rate 0.5%–1.3%

    Cancel

  13. AU Zenith credit card

    AU Zenith

    ₹8,900 a year, after fees

    ₹7,999 fee · Lounges in India and abroad · 3.49% forex markup · Reward rate 0.8%–1.3%

    Cancel

  14. AU Vetta credit card

    AU Vetta

    ₹6,500 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · 3.49% forex markup · Reward rate 0.5%–1%

    Cancel

  15. AU Zenith+ credit card

    AU Zenith+

    ₹2,100 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · 0.99% forex markup · Reward rate 0.3%–0.5%

    Cancel

  16. AU Kosmo Credit Card

    Not valued fee or rewards not published

    ₹0 fee

    Keep

Invite only 3

  1. AU Xcite Ultra Credit Card

    ₹10,500 a year, after fees

    ₹749 fee · Lounges in India · 3.49% forex markup · Reward rate 1%–3%

    Ranked higher: its bonus category adds ₹3,200 a year

    Keep Invite only

  2. AU Xcite Credit Card

    AU Xcite Credit Card

    ₹5,900 a year, after fees

    ₹249 fee · 3.49% forex markup · Reward rate 0.8%–3.8%

    Ranked higher: its bonus category adds ₹5,900 a year

    Keep Invite only

  3. AU Xcite Ace Credit Card

    AU Xcite Ace Credit Card

    ₹7,200 a year, after fees

    ₹749 fee · Lounges in India · 3.49% forex markup · Reward rate 1%–3%

    Keep Invite only

Business cards 4 cards

  2. Aditya Birla Capital AU Biz

    ₹2,300 a year, after fees

    ₹588 fee · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹2,700 a year

    Keep

  3. AU Corporate Credit Card

    Not valued fee or rewards not published

    ₹0 fee · Lounges in India

    Keep

  4. AU Purchase Credit Card

    Not valued fee or rewards not published

    ₹0 fee · Lounges in India

    Keep

Filter AU Small Finance Bank cards by fee, lounges or forex

Standard charges

The charges AU Small Finance Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

AU Small Finance Bank's standard charges
ChargeWhat the bank saysOur readCards
Late payment fee15% of Total Amount Due, min ₹10, max ₹1,3009 of 9
Add-on card feeNil — up to 3 lifetime-free add-on cardsFree10 of 18
Over-limit fee2.5% of overlimit amount, min ₹5009 of 9
Reward redemption fee₹99 + GST per successful redemption6 of 9

Cards counts the AU Small Finance Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

AU Small Finance Bank in RBI's figures

Cards in force
11,29,264
0.9% of India's cards
Spent in August 2026
₹1,324 crore
65% of it online
Spend per card
₹11,725
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The AU Small Finance Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official AU bank-wide Key Fact Statement v1.9 (30-Sep-2026) — Ananta ₹2,000 fee, foreign-currency / dynamic & static conversion markup 3.49%, fuel-waiver cap ₹200 read
  2. Official AU's current bank-wide MITC with Schedule of Charges (v2.22, 30 Sep 2026) — ixigo AU is lifetime free and the only AU card at 0% forex, 50-day interest-free period, ₹250/month fuel-surcharge cap read
  3. Official AU's Altura page — the 2% and 1% cashback rates with their ₹50-a-cycle caps, the ₹50 milestone at ₹10,000, the ₹199 fee and both waiver thresholds read
  4. Official AU's Altura Plus page — 1.5% offline cashback capped at ₹100 a cycle, the 1 and 2 point per ₹100 tiers that follow it, the 500-point bonus, the ₹499 fee with both waivers and a ₹100 fuel-waiver cap read
  5. Official AU's InstaPay page — 'Zero Fees. Forever.', the 1% cashback on UPI at four merchant categories, the ₹200 minimum transaction and the 50-day interest-free window read
  6. Official AU's Key Fact Statement and charges schedule — CheQ AU lifetime free with the ₹999 LED fee, 3.49% forex, 3.75% a month, and the fuel waiver on ₹500–₹5,000 to ₹150 a month read
  7. Official AU's Kosmo page — the lifetime-free statement in both the fee block and the FAQ, the Kiwi-app application route, the excluded categories, and the MakeMyTrip offer read
  8. Official AU's Laksya page — the 5/2/1 points per ₹100 grid with its 1,000-point grocery cap, the 8 lounge visits and their ₹50,000 gate, the welcome choice, and the ₹1,000 fee with its ₹2,00,000 waiver read
  9. Official AU's LIT feature terms — 1 RP/₹100 base, 10,000-point cycle ceiling, excluded MCCs, and 5X/10X as an opt-in feature with its own 90-day fee read
  10. Official AU's Paytm AU page — the full points grid, the two redemption values, the 12 Paytm-Travel lounge passes and the lifetime-free fee line read
  11. Official AU's Prathama page — the 1 and 2 point per ₹100 rates, the ₹5,000 incremental threshold, the 500-point recurring-payment bonus, and the ₹100 fee with its ₹75,000 waiver read
  12. Official AU's SPONT page — 1% cashback on every transaction including UPI with a ₹500-a-cycle cap, the quarterly airport and railway lounge visits, and the ₹299 joining-and-annual fee read
  13. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read