travelwith.cc

The issuer board

Every AU Small Finance Bank credit card.

31 cards on the desk, ranked #52 to #546 against every other card in India — not against each other. Fees run ₹0 to ₹7,999, and 14 of them are genuinely free for life. 3 of the 31 we carry without ranking, because AU Small Finance Bank publishes no fee or no earn table for them — they are listed at the bottom, with what we do know.

how this board is ordered fold that back up

Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.

RBI, July 2026: 10,96,879 cards in force — 0.9% of every credit card in India · ₹1,297 cr spent on them that month, 67% of it online.

The one worth having

#52 in India Keep

ixigo AU

A lifetime-free 0%-forex card with 16 lounge visits and rail access — the rewards are just a coupon to ixigo.

₹55,000 ranking value a year at ₹3L/month
₹0 fee what it costs
1.3% headline earn rate
Read the verdict →

Narrow 31 AU Small Finance Bank cards

network, lounges, the fine print and what you can be approved for fold that back up

The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.

The board

All 28 priced cards, best to worst.

rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict

  1. #52 ixigo AU ₹0 fee 1.3% Keep
  2. #59 AU CA Metal ₹0 fee 0.5% Keep
  3. #60 AU CS ₹0 fee 0.5% Keep
  4. #124 AU Ananta ₹2,000 fee 0.5% Cancel
  5. #128 AU Zenith ₹7,999 fee 0.8% Cancel
  6. #151 AU Vetta ₹2,999 fee 0.5% Cancel
  7. #192 AU Zenith+ ₹4,999 fee 0.3% Cancel
  8. #193 AU Bank Traverse Credit Card (NRI) ₹4,999 fee 0.5% Keep
  9. #194 AU Bank NOMO Credit Card ₹199 joining 0.5% Keep
  10. #353 AU LIT Credit Card ₹0 fee 0.3% Keep
  11. #354 AU Altura Plus Credit Card ₹499 fee 0.3% Keep
  12. #355 AU Altura Credit Card ₹199 fee 1.0% Keep
  13. #357 AU Tejas Credit Card ₹500 fee 0.3% Keep
  14. #358 AU Laksya Credit Card ₹1,000 fee 0.5% Keep
  15. #359 AU SPONT Credit Card ₹299 fee 1.0% Keep
the remaining 13 AU Small Finance Bank cards, #360–#546
  1. #360 AU Prathama Credit Card ₹100 fee 0.3% Keep
  2. #361 AU InstaPay RuPay Credit Card ₹0 fee 1.0% Keep
  3. #362 AU Xcite Ultra Credit Card ₹749 fee 1.0% Keep
  4. #363 AU Xcite Ace Credit Card ₹749 fee 1.0% Keep
  5. #364 AU Xcite Credit Card ₹249 fee 0.8% Keep
  6. #365 Paytm AU Credit Card ₹0 fee 0.5% Keep
  7. #366 CheQ AU Credit Card ₹0 fee 0.5% Keep
  8. #367 AU Zaggle Credit Card ₹0 fee 0.5% Keep
  9. #419 Aditya Birla Capital AU Pro ₹999 fee 0.5% Keep
  10. #508 AU Business Cashback Credit Card ₹1,188 fee 1.0% Keep
  11. #544 Aditya Birla Capital AU Biz ₹588 fee 0.3% Keep
  12. #545 Aditya Birla Capital AU Flex ₹0 fee 0.3% Keep
  13. #546 Aditya Birla Capital AU Nxt ₹0 fee 0.3% Keep

Carried, not ranked

3 cards AU Small Finance Bank won't put a number on.

Each of these is missing the fee, the earn table, or both, in every document AU Small Finance Bank publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.

  1. AU Kosmo Credit Card ₹0 fee earn n/p
  2. AU Corporate Credit Card ₹0 fee earn n/p
  3. AU Purchase Credit Card ₹0 fee earn n/p

Our standing verdicts

27 keep · 0 downgrade · 4 cancel

What these cards pay in

AU Reward Points · Statement cashback (₹) · ixigo AU Reward Points · CheQ Points