AU Bank Credit Cards in India: What you should know

AU Small Finance Bank has transformed rapidly over the last few years. It now holds in-principle approval from the RBI to become a universal bank as of August 2025. That’s a significant leap for a bank that began serving semi-urban markets but now offers world-class financial products.

Their credit card portfolio is surprisingly broad – from entry-level FD-backed cards to premium lifestyle cards with concierge, reward programs, lounge access, and Rupay + UPI integration. You’ll find cards suited to students, salaried professionals, and high-end spenders alike (AU Bank official site).

Best Credit Cards by AU Small Finance Bank

Features & Benefits of AU Bank Credit Cards

AU cards are designed around everyday convenience combined with premium touches. The high-end cards give global concierge access, luxury memberships, and milestone vouchers. The mid-tier ones focus on reward points, cashback, fuel waivers, and digital spends.

• High Rewards on Premium Spends: Zenith offers 20 reward points per ₹100 on dining and 10 points on international or grocery spends.
• Lounge Access: Complimentary domestic lounge visits on Zenith and even railway lounges on select cards.
• Rupay & UPI Rewards: SPONT offers 1% cashback plus AU Coins for UPI payments via the AU 0101 app; NOMO gives low forex fees and FD-backed confidence.
• Fuel Surcharge Waiver: 1% waiver on fuel spends between ₹400–₹5,000.
• Milestone / Welcome Benefits: Zenith offers quarterly vouchers, NOMO gives welcome points, Altura Plus gives monthly bonuses for hitting spend targets.

What Real Users Say about AU Bank Credit Cards? 

• Zenith: Loved for premium travel benefits and vouchers, but fee-heavy if you don’t meet spend targets.
• NOMO: Perfect for cautious beginners who want an FD-backed start to credit building.
• SPONT: Rewarding for young users and UPI enthusiasts.
• Altura Plus: Smart middle-ground card – good rewards, manageable annual cost.
• Vetta: Appeals to balanced spenders; offers flexible lifestyle points.

NOMO Credit Card: A Card Against FD by AU Small Finance Bank

Back when my friend’s cousin asked how to start building credit, I recommended secured cards. NOMO fits that bill. It’s AU’s FD-backed credit card: you just keep a fixed deposit of at least ₹20,000 (single ownership, not joint or tax-saving) and the bank sets your card limit against that FD. 

The FD continues to earn interest while acting as security. NOMO comes with reward points, low forex markup, and domestic & railway lounge access under certain spend thresholds.

Rewards, Cashback & Offers on AU Bank Credit Cards

• AU Rewardz: The common loyalty program for all AU cards. Points can be redeemed for e-vouchers, travel, and merchandise. Zenith points are typically worth ₹1 each; others offer a bit lower conversion rate.
• UPI Cashback: SPONT gives 1% on UPI spends, along with other milestone bonuses.
• Specialized Offers: Zenith even adds Epicure membership on ₹8 lakh annual spend plus birthday bonuses and spend-linked vouchers.

Eligibility Criteria for AU Bank Credit Cards

• Salaried: 21–60 years
• Self-employed: 25–65 years
• Add-on: 18+ years
• Resident Indian only
• For NOMO secured card – single-owner FD of at least ₹20,000 with AU Bank.

Documents Required for Applying to an AU Bank Credit Card

• Identity proof – Aadhaar, Passport, or Voter ID
• Address proof – utility bill, passport, or voter ID
• Income proof – salary slip, ITR, or bank statement
• PAN card
• Fixed Deposit details for secured cards

How to Apply for AU Bank Credit Card

You can apply directly via AU Bank’s website (Apply Now link), choose a variant like Zenith, Altura Plus, NOMO, SPONT, or Vetta, and fill out your details. 

Upload KYC documents, add FD info if needed, and the bank will verify. Cards usually arrive in about 7 working days after approval.

AU Bank Credit Card Application Status: Check Online

Post-application, AU keeps you updated through SMS or email. You can also check your application status inside the AU 0101 app or NetBanking dashboard.

How to Activate Your AU Bank Credit Card? 

Activation is simple – call 1800-1200-1500 or log in to the AU 0101 App. Inside the credit cards section, choose “Activate Card” and follow the prompts. Within minutes, your card is ready for online or contactless use.

AU Small Finance Bank Login / AU 0101

Everything for credit card management happens via AU’s AU 0101 platform (web and mobile). You can check your limit, statement, due date, block/unblock the card, and manage international or online usage settings. It feels refreshingly simple compared to some public-sector bank portals.

AU Bank Credit Card Customer Care

• Toll-Free: 1800-1200-1500
• Alternate Toll-Free: 1800-26-66677
• Other numbers: 0141-7141000 / 6133000 / 3071800
• Priority email for premium cards:

Recent Updates & Devaluations

For those worried about discontinuations, Zenith and Zenith+ are still officially live on AU’s website. Some corporate lifetime-free offers have ended, but there’s been no official discontinuation notice.

Latest News about AU Bank Credit Cards

• August 2025: Received RBI’s nod to move toward a universal bank (Reuters).
• Q1 FY26 Profit: ₹581 crore, up 16% YoY (Times of India).
• Temasek’s Zulia Investments: RBI allowed stake increase up to 7% (Reuters).

Lounge Access & Travel Perks on AU Bank Cards

AU offers decent travel value – Zenith and NOMO allow two domestic airport lounge visits per quarter, while Altura Plus provides complimentary railway lounge access. These may not sound luxurious, but they add comfort for frequent travellers from tier-2 cities. 

Also Check: Lounge Access Checker for All Credit Cards in India

FAQs

What’s the annual fee for Zenith and how to get it waived?

₹7,999 + taxes. Get a full waiver if you spend ₹1.25 lakh in first 90 days (year one) or ₹5 lakh in subsequent years.

How does the NOMO FD Credit Card work?

Keep a ₹20,000+ FD in your name, and AU issues a secured card against it. You earn rewards like a standard card while building credit history safely.

What are the basic eligibility requirements for AU Bank Credit Card?

Salaried: 21–60; Self-employed: 25–65; Add-ons: 18+. Resident Indians only.

Is there a fuel surcharge waiver?

Yes, 1% waiver for transactions between ₹400–₹5,000.

How do I redeem AU Rewardz points?

Via the AU 0101 portal for vouchers, travel, or merchandise. Typically ₹1 per point on Zenith, ₹0.20–₹0.25 on others.

A Personal Take on AU Bank Credit Cards

When I tested AU’s cards, what stood out was the diversity: there’s something here for everyone, whether you’re rebuilding credit or looking for lounge perks. The NOMO card genuinely impressed me; it’s a confidence booster for people beginning their credit journey without fear of rejection. 

The Zenith card, though premium, feels worth it only if you comfortably hit those spend thresholds. For practical, low-cost users, Altura Plus offers tidy rewards without pressure.

If you’re someone starting out, maybe with little credit history, AU’s FD-backed option is a dependable route. If you’re more experienced, Zenith and Altura can give you the benefits you want without over-complication. Either way, spend what you can pay off completely and enjoy the perks responsibly.