AU Small Finance Bank Credit Cards
Fast-growing challenger with the youth-focused LIT card — India's first customisable credit card where you switch features on and off.
Checking with QCred uses a soft enquiry — it never affects your credit score.
Find your best offers on AU Small Finance Bank credit cards
It takes 2 minutes. This will not affect your credit score.
Popular AU Small Finance Bank cards
Hand-picked variants across rewards, cashback, travel and lifetime-free. Fees shown are indicative — the issuer's latest schedule applies.
AU LIT Credit Card
•••• •••• •••• ••••
AU LIT Credit Card
- Turn benefits on/off monthly — cashback, 10X rewards, lounge, memberships
- Pay only for the features you switch on
- Great for testing what card benefits you actually use
AU Altura Credit Card
•••• •••• •••• ••••
AU Altura Credit Card
- 2% cashback on grocery, departmental and utility spends (caps apply)
- 1 railway lounge visit per quarter
- Low entry fee with an easy waiver
AU Altura Plus Credit Card
•••• •••• •••• ••••
AU Altura Plus Credit Card
- 2X points on online spends
- Milestone bonus points monthly
- Railway + domestic lounge access on eligibility
AU Zenith Credit Card
•••• •••• •••• ••••
AU Zenith Credit Card
- Unlimited domestic lounge + international visits via Priority Pass
- Strong dining rewards and concierge
- Golf, insurance and milestone vouchers
Fees & charges
- Interest on revolving balance
- 1.99% – 3.59% / month
- Cash advance fee
- ~2.5% of amount (min ₹300–500)
- Late payment charges
- ₹0 – ₹1,300 slab-wise on amount due
- Foreign currency markup
- ~3.49%
- Fuel surcharge waiver
- ~1% on eligible slabs, capped monthly
Eligibility
- Age
- 21 – 60 years (up to 65–75 for some issuers)
- Income
- ₹15,000 – ₹25,000+/month for entry cards; higher for premium
- Employment
- Salaried or self-employed with steady income
- Credit score
- 700+ improves approval odds and limits
Documents
- PAN card (mandatory for all card applications)
- Aadhaar / passport / voter ID as identity & address proof
- Latest salary slips or ITR for income proof (premium cards)
- Passport-size photo if digital KYC hasn't captured one
AU Small Finance Bank card FAQs
How does the AU LIT card's pay-per-feature model work?
The card itself is lifetime free; you activate benefit packs (e.g. 5% cashback, lounge access) from the app for 30/90-day periods and pay a small fee per pack only while it's on.
More categories you'll like
Cards from other banks
Not sure which AU card fits you?
Tell us how you spend — we'll match the card where your money earns the most back. Free, no score impact.
Get Matched Now