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Small finance bank · issuer dossier

AU Small Finance Bank credit-card research

Research AU Small Finance Bank credit cards using first-party fee, rewards, eligibility and benefits sources where available. Portfolio counts describe only this maintained database, not the issuer's complete catalogue or market position.

Explore 10 published cardsOfficial issuer source ↗All issuers
First-party evidenceDated reviewsCard-specific termsNo issuer score
10active profiles
0published non-active
17decision categories represented
0tracked records held
8maintained comparisons shown
Research state

Understand what this issuer dossier covers—and what it does not.

Fees, rewards, lounge access, forex, eligibility and status remain properties of each exact card profile. Issuer-level counts summarize only the maintained research corpus.

10

Published profiles

10 active · 0 published non-active.

10

Tracked records

Includes evidence-gated records that may remain unpublished.

23

Source placements

Unique first-party URLs are retained on the underlying card dossiers.

September 11, 2026

Latest card review

Freshness is a maintenance state, not an issuer-quality score.

Portfolio systems

See the researched shape of the AU Small Finance Bank card portfolio.

These counts are overlapping research lenses. A single card can legitimately appear in premium, travel, low-forex, cashback or UPI routes at the same time.

Decision systemNo-standard-fee

Published cards where the recorded standard annual-fee state is free or lifetime-free.

3 cardsDecision systemPremium

Premium and super-premium card research within this issuer portfolio.

4 cardsDecision systemTravel & airline

Travel, airline and related access-focused card research.

5 cardsDecision systemCashback

Cards tagged for cashback-led value.

4 cardsDecision systemRuPay / UPI

Cards researched for eligible merchant UPI use.

1 cardDecision systemLow forex

Cards tagged for lower foreign-currency markup.

4 cards
Category concentration

Where published issuer research is concentrated.

Category depth describes this database only. It does not establish market share, issuer quality or approval probability.

01Decision categoryRewards Credit Cards8 cards02Decision categoryAirport Lounge Credit Cards6 cards03Decision categoryTravel Credit Cards5 cards04Decision categoryCashback Credit Cards4 cards05Decision categoryBeginner & Entry-Level Cards4 cards06Decision categoryRailway Lounge Credit Cards4 cards07Decision categoryLifestyle Credit Cards4 cards08Decision categoryLow Forex Markup Credit Cards4 cards
Exact published cards

Inspect 10 AU Small Finance Bank profiles at card level.

Use the workspace to narrow by card name, status or decision category. The underlying research wording is reproduced from the existing records.

Active · card dossier

AU Altura Credit Card

A low-fee AU cashback card with elevated value on groceries, departmental stores and utilities, plus railway-lounge access.

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Cashback Credit CardsGrocery Credit CardsUtility Payment Credit CardsBeginner & Entry-Level Cards
Annual fee₹199 + applicable taxes.
Rewards2% cashback on eligible grocery, departmental-store and utility spends; 1% on other eligible retail spends, plus ₹50 milestone cashback on ₹10,000 statement-cycle retail spend
Lounge8 complimentary railway lounge visits per year; not positioned as an airport-lounge card
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
2 first-party sourcesReviewed September 11, 2026Best use: Entry-level users who want simple everyday cashback on groceries and utilities with a low annual fee and modest waiver threshold.
Active · card dossier

AU Altura+ Credit Card

A ₹499 AU card combining offline cashback, online reward acceleration, monthly milestone points and railway-lounge access.

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Cashback Credit CardsRewards Credit CardsShopping Credit CardsBeginner & Entry-Level Cards
Annual fee₹499 + applicable taxes.
Rewards1.5% cashback on eligible offline spends; 2 Reward Points per ₹100 on eligible online spends and 1 Reward Point per ₹100 on eligible offline spends after applicable cashback rules, plus 500 bonus points on ₹20,000 monthly retail spend
Lounge8 complimentary railway lounge visits per year
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
2 first-party sourcesReviewed September 11, 2026Best use: Lower-to-mid spenders who want a blend of cashback and reward points without moving into a premium annual-fee tier.
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AU LIT Credit Card

A customizable lifetime-free AU card where users can selectively pay for quarterly-style reward, cashback and lifestyle features.

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Lifetime-Free Credit CardsRewards Credit CardsCashback Credit CardsLifestyle Credit Cards
Annual feeLifetime-free base card under the reviewed issuer page
RewardsCustomizable proposition with optional features including up to 10X reward points, category cashback, milestone cashback, entertainment memberships and fuel-surcharge waiver
LoungeLounge-related value depends on optional features selected; verify the current LIT feature menu before paying for an add-on
ForexStandard AU fee table lists 3.49% cross-currency markup for LIT; optional feature pricing can alter the proposition, so verify before international use
3 first-party sourcesReviewed September 11, 2026Best use: Users who value a no-annual-fee base card and are willing to actively choose short-duration paid features instead of accepting a fixed benefits bundle.
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ixigo AU Credit Card

A travel-focused AU/ixigo card combining current lifetime-free promotional pricing, zero forex markup, travel rewards and spend-conditioned lounge access.

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Travel Credit CardsLifetime-Free Credit CardsLow Forex Markup Credit CardsAirport Lounge Credit Cards
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Rewards2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
LoungeUp to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
Forex0% forex markup on the reviewed dedicated product page
3 first-party sourcesReviewed September 11, 2026Best use: Travel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
Active · card dossier

AU Vetta Credit Card

A mid-premium AU card with up to 4 points per ₹100, quarterly domestic/international lounge access and milestone benefits.

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Premium Credit CardsRewards Credit CardsTravel Credit CardsAirport Lounge Credit Cards
Annual fee₹2,999 + applicable taxes.
RewardsUp to 4 Reward Points per ₹100 spent, with quarterly and annual milestone benefits and birthday bonus points under the reviewed issuer page
Lounge1 complimentary domestic airport-lounge visit per calendar quarter, with the current ₹50,000 calendar-quarter spend condition, plus 4 complimentary international Priority Pass visits annually (1 per quarter) and 2 railway-lounge visits per calendar quarter.
Forex2.99% cross-currency markup currently; AU states this will revise to 3.49% effective 1 October 2026.
2 first-party sourcesReviewed September 11, 2026Best use: Users wanting a mid-premium AU rewards card with quarterly airport-lounge access and a relatively manageable ₹1.5 lakh renewal-fee waiver threshold.
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AU Zenith Credit Card

AU's premium Zenith card combines 1.99% forex markup, domestic and international lounge access, accelerated rewards and concierge-style benefits.

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Premium Credit CardsTravel Credit CardsAirport Lounge Credit CardsLow Forex Markup Credit Cards
Annual fee₹7,999 + applicable taxes.
RewardsAccelerated AU Rewardz earning on dining, groceries and other eligible categories, plus 1,000 bonus Reward Points on ₹50,000 monthly retail spend under reviewed terms
Lounge8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter retail spend and 8 international lounge visits annually via Priority Pass
Forex1.99% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
2 first-party sourcesReviewed September 11, 2026Best use: Premium travelers who can use domestic/international lounges and low-forex pricing but do not need the Zenith+ metal tier.
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AU Zenith+ Credit Card

A super-premium AU metal card with 0.99% forex markup, 32 combined annual domestic/international lounge visits and premium lifestyle benefits.

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Super-Premium Credit CardsTravel Credit CardsAirport Lounge Credit CardsLow Forex Markup Credit Cards
Annual fee₹4,999 + applicable taxes
RewardsUp to 2 Reward Points per ₹100 on dining, travel and international spends; reviewed AU FAQ values 1 Zenith+ Reward Point at ₹1, with welcome voucher/points and milestone benefits
Lounge16 domestic airport lounge visits and 16 international lounge visits annually (4 per quarter each) under reviewed terms; Priority Pass within India is chargeable
Forex0.99% cross-currency markup
3 first-party sourcesReviewed September 11, 2026Best use: High-income travelers who value 0.99% forex, frequent lounge access, premium airport services and a metal-card benefit stack.
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AU Ananta Credit Card

A ₹2,000 AU rewards card with accelerated shopping/dining/travel earn, welcome points, milestones and domestic lounge access.

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Premium Credit CardsRewards Credit CardsTravel Credit CardsDining Credit Cards
Annual fee₹2,000 + applicable taxes.
Rewards5 Reward Points per ₹100 on eligible shopping, dining and travel spends, capped at 5,000 accelerated points per statement cycle, plus welcome and annual milestone points
Lounge4 complimentary domestic airport-lounge visits per quarter when eligible flight tickets of ₹5,000 or more are booked through AU Rewardz under the current Ananta terms.
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
2 first-party sourcesReviewed September 11, 2026Best use: Upper-mid-tier users whose normal spending is concentrated in shopping, dining and travel and who can naturally reach the card's milestones.
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AU SPONT Credit Card

A low-fee AU RuPay card combining 1% eligible cashback across UPI and card transactions with railway and spend-conditioned airport lounges.

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Cashback Credit CardsRuPay / UPI Credit CardsAirport Lounge Credit CardsBeginner & Entry-Level Cards
Annual fee₹299 + applicable taxes.
Rewards1% cashback on eligible ecommerce, POS, contactless and UPI transactions, plus never-expiring coins on UPI transactions under reviewed terms
Lounge2 railway lounge visits per calendar quarter; 2 domestic airport lounge visits per quarter after ₹50,000 calendar-quarter spend
Forex3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
2 first-party sourcesReviewed September 11, 2026Best use: Users who want straightforward RuPay/UPI cashback with low annual cost and can potentially use railway or spend-conditioned airport lounge access.
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AU NOMO Credit Card

A fixed-deposit-backed AU credit card with a ₹199 one-time joining fee, 0.99% forex markup, rewards and spend-conditioned lounge access.

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Secured Credit CardsLow Forex Markup Credit CardsRewards Credit CardsAirport Lounge Credit Cards
Annual feeNil from second year under the reviewed current product proposition
Rewards2 Reward Points per ₹100 on eligible retail spends; reviewed page states 1 RP = ₹0.25, with 5,000 points per statement-cycle cap
LoungeCurrent AU product banner states 2 complimentary domestic airport lounge visits per quarter after ₹50,000 quarterly spend, effective 10 April 2026.
Forex0.99% forex markup on the reviewed AU NOMO page
2 first-party sourcesReviewed September 9, 2026Best use: Customers building credit with an FD-backed card who can use a low forex markup and modest lounge/reward benefits without needing unsecured underwriting.
Maintained comparisons

Where AU Small Finance Bank cards meet close researched alternatives.

These pairs already pass the existing substantive-comparison guard. The engine does not auto-generate issuer-versus-everyone pages.

Maintained card comparisonAU Altura Credit CardvsIDFC FIRST Millennia Credit CardCompare Maintained card comparisonAU Altura+ Credit CardvsAxis Bank Rewards Credit CardCompare Maintained card comparisonAU LIT Credit CardvsIDFC FIRST Millennia Credit CardCompare Maintained card comparisonixigo AU Credit CardvsMakeMyTrip ICICI Bank Credit CardCompare Maintained card comparisonixigo AU Credit CardvsIDFC FIRST Wealth Credit CardCompare Maintained card comparisonixigo AU Credit CardvsHDFC Bank Regalia Gold Credit CardCompare Maintained card comparisonAU Vetta Credit CardvsICICI Bank Sapphiro Credit CardCompare Maintained card comparisonAU Vetta Credit CardvsHDFC Bank Regalia Gold Credit CardCompare
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Official evidence & accountability

The issuer controls the live terms. This site records dated research.

Use the card dossier to understand the recorded evidence, then verify the controlling live documents before applying or relying on a current benefit. Issuer depth is not a service-quality, approval or safety score.