In today’s fast-paced world, having a credit card is more than just a convenience; it’s a necessity. AU Bank offers a variety of credit cards tailored to suit different financial needs. Whether you are looking for an AU credit card, an AU small finance bank credit card, or a premium AU Zenith credit card, the application process is simple and hassle-free. This guide will help you understand how to apply for an AU Bank credit card and explore the various options available.
Why Choose an AU Bank Credit Card?
AU Bank provides a range of credit cards, each designed to offer unique benefits, including cashback, reward points, and travel perks. Some of the top AU Bank credit cards include:
1. AU Bank LIT Credit Card
Best Suited For: Movies | Travel | Dining | Fuel | Shopping
- Joining Fee: Nil
- Renewal Fee: Nil
- Reward Type: Reward Points
- Welcome Benefits: N/A
If you are looking for a flexible credit card with no joining or renewal fees, the AU Bank LIT Credit Card is an excellent option. It is perfect for those who frequently spend on entertainment, travel, and shopping while earning valuable reward points.
2. AU Altura Plus Credit Card
Best Suited For: Shopping
- Joining Fee: ₹499 + GST
- Renewal Fee: ₹499 + GST
- Reward Type: Reward Points
- Welcome Benefits: N/A
A great choice for shopaholics, the AU Altura Plus Credit Card comes with a reasonable joining fee and allows users to accumulate reward points on every purchase. If you are a frequent shopper, this card is tailored for you.
3. AU Nomo Credit Card
Best Suited For: Shopping
- Joining Fee: ₹199 + GST
- Renewal Fee: N/A
- Reward Type: Reward Points
- Welcome Benefits: 500 Reward Points
An affordable option for those looking for a budget-friendly credit card, the AU Nomo Credit Card offers 500 reward points as a welcome benefit. It is ideal for everyday shopping needs.
4. AU Altura Credit Card
Best Suited For: Shopping
- Joining Fee: ₹199 + GST
- Renewal Fee: ₹199 + GST
- Reward Type: Cashback
- Welcome Benefits: N/A
If you prefer cashback over reward points, the AU Altura Credit Card is an excellent choice. It offers a low joining fee and cashback benefits, making it a practical option for regular shoppers.
5. AU Zenith+ Credit Card
Best Suited For: Travel | Dining | Shopping
- Joining Fee: ₹4,999 + GST
- Renewal Fee: ₹4,999 + GST
- Reward Type: Reward Points
- Welcome Benefits: Luxury Gift Vouchers or Reward Points Worth ₹5,000
A premium credit card designed for high spenders, the AU Zenith+ Credit Card offers luxury benefits, including welcome gift vouchers worth ₹5,000. It is perfect for those who frequently travel and dine out.
6. ixigo AU Credit Card
Best Suited For: Travel
- Joining Fee: Nil
- Renewal Fee: Nil
- Reward Type: Reward Points
- Welcome Benefits: 1000 Reward Points + ₹1000 ixigo Money Voucher on First Transaction
Travel enthusiasts can benefit from the ixigo AU Credit Card, which offers travel perks, including reward points and vouchers. With no joining or renewal fee, this card is a great companion for frequent travelers.
7. AU Vetta Credit Card
Best Suited For: Travel | Shopping
- Joining Fee: ₹2,999 + GST
- Renewal Fee: ₹2,999 + GST
- Reward Type: Reward Points
- Welcome Benefits: N/A
For those who prioritize travel and shopping, the AU Vetta Credit Card is a premium offering that provides valuable reward points on various expenses.
Steps to Apply for an AU Bank Credit Card
1. Online Application Process
Applying for an AU Bank credit card online is quick and convenient. Follow these steps:
- Visit the Official AU Bank Website
- Go to the AU Bank Credit Card Apply Online section.
- Browse through the different AU Bank Credit Card Offers.
- Choose the Right Credit Card
- Compare features and benefits of different cards, such as AU Small Finance Bank Credit Card or AU Lifetime Free Credit Card.
- Select the card that suits your spending habits.
- Fill Out the Online Application Form
- Provide necessary details like name, contact information, PAN card, and income proof.
- Submit the form along with required documents.
- Verification and Approval
- The bank will verify your details and check your credit score.
- Upon approval, your AU Bank Credit Card will be dispatched within a few days.
2. Offline Application Process
If you prefer to apply in person, you can visit an AU Bank branch. Follow these steps:
- Locate the Nearest AU Bank Branch
- Visit your nearest branch and request an AU Credit Card Apply form.
- Submit the Required Documents
- Provide identity proof, address proof, and income details.
- Await Verification and Approval
- Once your documents are verified, the bank will process your application.
- Receive Your Credit Card
- After approval, your AU Small Credit Card or AU Finance Credit Card will be delivered to your registered address.
Eligibility Criteria for AU Bank Credit Cards
To apply for an AU Bank Credit Card, you need to meet certain eligibility criteria:
- Minimum age: 21 years
- Stable source of income
- Good credit score
- Indian residency with valid KYC documents
Documents Required for AU Bank Credit Card Application
- PAN Card
- Aadhaar Card or Passport (Address Proof)
- Salary Slips or ITR (Income Proof)
- Passport-size photographs
AU Bank Credit Card Offers and Benefits
AU Bank offers various rewards and cashback options, including:
- Welcome bonuses on select cards.
- Rewards on shopping, travel, and dining.
- No annual fees on select AU Lifetime Free Credit Card options.
- Contactless transactions for easy payments.
Conclusion
Applying for an AU Bank credit card is a seamless process, whether online or offline. With multiple options like the AU Altura Plus Credit Card, AU Bank Lifetime Free Credit Card, and AU Small Finance Credit Card, you can find a card that fits your lifestyle perfectly. Start your application today and enjoy the financial freedom that comes with an AU Bank credit card!