Yes Bank, AU SFB, PNB
Kiwi RuPay Credit Card
Annual feeFree
Joining feeFree
Best rate1.5% back
Issuer · AU Small Finance Bank · India
AU Small Finance Bank credit cards: full list & fees.
All 7 AU Small Finance Bank cards — from three lifetime-free options to the Zenith premium — in one verified list.
7 AU Small Finance Bank credit cards are listed in the grid below with verified joining fee, annual fee, and best reward rate for each. Annual fees range from ₹0 (three lifetime-free cards: InstaPay, LIT, and NoMo) to ₹7,999 (Zenith premium), covering cashback entry-level cards, an everyday rewards range, and two premium travel cards (Zenith and Zenith+). AU Bank stands apart as the only small finance bank with a premium card tier.
AU Small Finance Bank
AU Spont Credit Card
Annual fee₹299
Joining fee₹299
Best rate1% back
AU Small Finance Bank
AU Bank Zenith Credit Card
Annual fee₹7,999
Joining fee₹7,999
Best rate5× points
AU Small Finance Bank
AU Bank InstaPay Credit Card
Annual feeFree
Joining feeFree
Best rate1% back
AU Small Finance Bank
AU Bank Zenith+ Credit Card
Annual fee₹4,999
Joining fee₹4,999
Best rate2× points
AU Small Finance Bank
AU Bank Altura Plus Credit Card
Annual fee₹499
Joining fee₹499
Best rate1.5% back
AU Small Finance Bank
AU LIT Credit Card
Annual feeFree
Joining feeFree
Best rate1× points
AU Small Finance Bank
AU NoMo Credit Card
Annual feeFree
Joining fee₹199
Best rate2× points
Choosing an AU Bank card
Zero-fee starters, cashback everyday, or Zenith at the top?
AU Bank's lifetime-free tier is larger than most issuers: InstaPay, LIT, and NoMo carry no annual fee whatsoever. InstaPay returns cashback on online spends; LIT is a modular card where benefit selection changes at zero annual cost; NoMo suits new-to-credit profiles with basic rewards. These are the natural starting points for first-time applicants or students building a credit history.
The Spont and Altura Plus are AU Bank's mid-range everyday cards. Spont suits regular online and offline spenders. Altura Plus pays 1.5% on all eligible spends with no category restrictions, making it one of the simpler flat-rate cards in this fee tier. Both carry spend-based annual fee waivers.
Zenith+ and Zenith are AU Bank's premium entries. Zenith+ targets frequent travellers with accelerated rewards on travel and dining spends and domestic lounge access. Zenith is AU Bank's flagship premium card, at ₹7,999 annual fee, with international lounge access, concierge, and an accelerated rewards structure on lifestyle categories. These cards are positioned for AU Bank's HNI savings account customers.
FAQ
Common questions
01Is AU Small Finance Bank a proper bank for credit cards?
Yes. AU Small Finance Bank received a full universal banking licence from RBI in April 2024, transitioning from small finance bank to universal bank status. Credit cards issued by AU Bank are regulated under the same RBI framework as cards from HDFC or Axis. The Zenith and Zenith+ are full-feature premium cards with lounge access, concierge, and international acceptance on the Visa network.
02What is the AU LIT credit card and how does it work?
AU LIT is a modular credit card: cardholders choose which benefit modules to activate each quarter from a set of options covering cashback, dining, travel, and fuel. The base card carries no annual fee. Activation of a module may carry a small fee depending on the module selected. It suits cardholders whose spending pattern shifts across categories through the year and who want control over which benefit is active rather than a fixed reward structure.
03Do AU Bank credit cards require an AU Bank savings account?
Not necessarily. AU Bank accepts credit card applications from non-AU customers. However, holding an AU Bank savings account, particularly a high-balance savings account, can improve approval odds for premium cards (Zenith, Zenith+) and simplify the application process. Entry-level cards (Spont, Altura Plus) are open to salaried applicants with income and credit score criteria met.
04What is the difference between AU Zenith and AU Zenith+?
AU Zenith+ (₹4,999) is the mid-premium card with domestic and international lounge access, accelerated rewards on travel and dining, and a rewards structure suited to frequent domestic travellers. AU Zenith (₹7,999) is the flagship card with higher accelerated reward rates, full international lounge access, concierge benefits, and a lifestyle spend focus. Zenith is AU Bank's top-tier consumer card; Zenith+ is the entry point to the premium range.
05Can I hold the Kiwi RuPay card alongside an AU Bank credit card?
Kiwi RuPay is co-issued by Yes Bank, AU Small Finance Bank, and PNB — it is not a standalone AU Bank product. Holding a Kiwi card does not count as holding an AU Bank credit card for the purpose of AU Bank's own credit card programme. If you already hold an AU Bank card, applying for Kiwi depends on Yes Bank's and the co-issuers' eligibility criteria, not AU Bank's credit card policy.