AU Small Finance Bank Credit Card

1. AU Nomad Credit Card (New Launch)

• Detailed Benefits: Designed for frequent international travelers. It features Zero Foreign Currency Markup, meaning you save 2-3.5% on every swipe abroad. Includes complimentary international lounge access and premium airport concierge services.

• Joining/Annual Fee: ₹2,999 + GST (Waived on spending ₹3 Lakhs in a year).

• Eligibility: Monthly income of ₹1 Lakh or above.

2. AU Business Credit Card (New Launch)

• Detailed Benefits: Aimed at SMEs and business owners. It provides accelerated rewards on business-related categories like Advertising, Utilities, and Taxes. It also helps in tracking business expenses separately with high credit limits.

• Joining/Annual Fee: ₹999 + GST.

• Eligibility: Self-employed individuals with a valid ITR or Business Vintage.

3. AU InstaPay Credit Card (New Launch)

• Detailed Benefits: A digital-only card on the RuPay platform. You can link it to UPI apps (GPay, PhonePe) immediately after approval to pay merchants via QR codes. It offers cashback on small, frequent UPI transactions.

• Joining/Annual Fee: Lifetime Free (NIL).

• Eligibility: Minimum monthly income of ₹15,000.

4. AU Siva Credit Card (New Launch)

• Detailed Benefits: A unique “Purpose-Driven” card. It offers extra reward points when you spend on wellness, healthcare, and sustainable brands. Users also have the option to donate their points to social causes directly through the bank.

• Joining/Annual Fee: ₹499 + GST.

• Eligibility: Monthly income of ₹25,000 or above.

5. AU Zenith+ (Super Premium)

• Detailed Benefits: A premium Metal Card. Offers the lowest Forex Markup (0.99%) and a massive welcome gift of ₹5,000 vouchers. Includes 16 Domestic and 16 International lounge visits annually and BOGO offers on BookMyShow.

• Joining/Annual Fee: ₹4,999 + GST.

• Eligibility: Monthly income of ₹2.5 Lakh or above.

6. AU LIT (Customizable Card)

• Detailed Benefits: The most flexible card in India. It starts as a Lifetime Free card. You can use the AU 0101 App to “Subscribe” to features like 5% Cashback on Travel or 10X Rewards on Dining only for the months you need them.

• Joining/Annual Fee: NIL (Lifetime Free).

• Eligibility: Monthly income of ₹15,000 or above.

7. AU Vetta (Lifestyle)

• Detailed Benefits: Focused on urban lifestyle spends. You get 4 Reward Points per ₹100 on Grocery and Departmental stores. It also offers a Milestone Bonus of 500 points on spending ₹50,000 in a quarter.

• Joining/Annual Fee: ₹2,999 + GST.

• Eligibility: Monthly income of ₹60,000 or above.

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Part 3: Summary Table of Charges

Card Name	Joining Fee	Annual Fee	Key Benefit
Nomad	₹2,999	₹2,999	0% Forex Markup
InstaPay	NIL	NIL	UPI on Credit
Zenith+	₹4,999	₹4,999	1:1 Reward Redemption
LIT	NIL	NIL	Feature Customization
Siva	₹499	₹499	Wellness Rewards
Altura Plus	₹499	₹499	2X Online Rewards

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Disclaimer: All logos and brand names are trademarks of AU Small Finance Bank. The benefits, fees, and eligibility criteria mentioned are based on current bank policies and are subject to change. Please verify on the official AU Bank website or app before applying.