AU Small Finance Bank Credit Cards 2025
Explore all credit cards from AU Small Finance Bank. 4 cards ranked by our experts.
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Best for: Frequent travelers, ixigo users, international spenders
AU Ixigo Credit Card
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on AU Small Finance Bank's website
Annual fee
FREE
Rewards rate
₹1.25 - ₹5.00/₹100
Joining fee
FREE
Interest rate
41.88%
Card details
Min Monthly Income ₹25
Categories Co-Branded, Lifetime Free, Lounge Access, Travel, Zero Forex
CardNitty's take
Pros
- Zero forex markup on international transactions
- 16 domestic + 1 international lounge access per year
- 16 complimentary railway lounge visits annually
- 10% discount on flights, hotels, buses via ixigo
- 1000 welcome points + Rs.1,000 ixigo vouchers
- Up to 10 points per Rs.100 on train bookings
- Zero joining and annual fee (lifetime free)
- 1% fuel surcharge waiver (max Rs.250/month)
- 48 days interest-free credit period
- Up to Rs.2L comprehensive insurance coverage
Cons
- Low base reward rate of 2.5 points per Rs.100
- Points valued at only Rs.0.50 each for redemption
- Quarterly spend of Rs.20K needed for lounge access
- 10,000 points monthly cap limits earnings
- Points expire after 2 years from earning date
- Reward redemption fee of Rs.99 + GST
- No points on fuel, rent, insurance, jewellery
- High 41.88% APR interest rate
- Minimum Rs.25,000 monthly income required
- Only one AU card allowed per customer
Best for: Entry-level cardholders with low monthly spends
Altura
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on AU Small Finance Bank's website
Annual fee
₹199
Rewards rate
₹1.00 - ₹2.00/₹100
Joining fee
₹199
Interest rate
41.88%
Card details
Forex Markup
3.49%
Min Monthly Income ₹25
Categories Cashback, Entry Level
CardNitty's take
Pros
- 2% cashback on groceries, utilities
- 1% cashback on all other spends
- 5% welcome cashback up to Rs.125
- Low annual fee of Rs.199 with easy waiver
- 2 railway lounge visits per quarter
- 1% fuel surcharge waiver
Cons
- Very low cashback cap of Rs.50 per month
- High forex markup of 3.49%
- No airport lounge access
- Low reward value for high spenders
- No insurance coverage
Best for: Entry-level users, UPI spenders, budget travelers
AU SPONT Credit Card
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on AU Small Finance Bank's website
Annual fee
₹299
Rewards rate
₹1.00 - ₹252.50/₹100
Joining fee
₹299
Interest rate
43.08%
Card details
Forex Markup
3.49%
Min Monthly Income ₹10
Categories Beginner, Cashback, Lifestyle, Lounge Access, RuPay
CardNitty's take
Pros
- 1% cashback on all UPI and retail transactions
- Never-expiring reward coins on AU0101 app UPI
- 500 coins welcome bonus on first UPI transaction
- Low annual fee of Rs.299 with Rs.1L spend waiver
- 8 airport + 8 railway lounge visits per year
- Fuel surcharge waiver up to Rs.100/month
- Lifetime free add-on cards for family
- Zero liability on lost/stolen card fraud
- Tap & pay for contactless payments
- RuPay credit card with UPI support
Cons
- Cashback capped at Rs.500 per month
- Lounge access needs Rs.20,000 quarterly spend
- No cashback on fuel, rent, EMI, insurance
- High 3.49% forex markup for international use
- Low 1% base cashback rate
- 5.59% monthly interest rate (43.08% p.a.)
- Reward redemption fee of Rs.99 + GST
- High late payment fees up to Rs.1,300
- Limited to Rs.10,000 minimum income segment
Best for: Frequent travelers who spend on groceries and utilities
Vetta
APPLY NOW
on AU Small Finance Bank's website
Annual fee
₹2,999
Rewards rate
₹0.50 - ₹1.00/₹100
Joining fee
₹2,999
Interest rate
41.88%
Card details
Forex Markup
2.99%
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- 4 reward points per Rs.100 on groceries and departmental stores
- Complimentary domestic and international lounge access
- 2 railway lounge visits per quarter at select stations
- 24x7 global concierge service included
- Rs.50 lakh air accident cover insurance
- Fee waiver on Rs.40,000 spend in first 90 days
- Birthday bonus of 1,000 reward points
- MakeMyTrip benefits - 2 free seat bookings
Cons
- Annual fee of Rs.2,999 is high unless waived
- Moderate reward rate of 2 points per Rs.100 on regular spends
- No rewards on fuel, cash, rent, and EMI transactions
- Reward redemption fee of Rs.99 applies
- Low point value (Rs.0.25) compared to competitors
- Monthly reward cap of 25,000 points
About AU Small Finance Bank
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