AU Bank Credit Card Offers (October 2026): Heart to Cart Festival Deals, ₹5,000 Vouchers and How to Apply Online

AU Small Finance Bank's biggest offer season of the year is on. The AU Heart to Cart Shopping Festival started on October 11, and AU Bank credit card offers bring exciting opportunities for everyday saving, online shopping, and lifestyle expenses.

This guide covers what AU credit cardholders get until November 10, 2026, which offers are worth chasing, and how to apply for an AU credit card online if you don't have one yet.

🛍️ Compare before you spend. Check today's live credit card offers on Monzy.

TL;DR

• AU Heart to Cart 2026: October 11 to November 10, 2026, on AU credit and debit cards, per AU's announcement.
• ₹5,000 voucher bundle: make 3 or more AU credit card transactions in the offer window to get vouchers that AU values at ₹5,000.
• Premium brands: 10% instant discount up to ₹2,500 at participating outlets of 35 luxury brands.
• Category savings: up to ₹10,000 on travel, up to ₹7,500 on electronics, up to ₹3,000 on entertainment.
• Apply online: through the AU 0101 app or AU's website, with Video KYC.

AU Heart to Cart festival 2026: the offers

From AU SFB's announcement of the eighth edition of Heart to Cart (reported October 15, 2026):

"Up to" amounts are maximums across offers in each category. The exact discount, minimum spend and code are listed on AU's offers website and in the AU 0101 app.

The ₹5,000 voucher bundle for 3 transactions

As reported on October 14, 2026, AU's offers page lists a voucher bundle for AU credit cardholders who make 3 or more transactions (online or in-store) between October 11 and November 10, 2026:

• Yatra voucher worth ₹2,000
• PharmEasy Plus annual membership worth ₹1,499
• boAt flat ₹500 off
• AJIO ₹300 voucher (on ₹2,000 spend)
• IGP ₹200 off (on ₹499)
• Two months of EazyDiner Prime

It's once per account, and vouchers are sent within 60 days of the offer ending. The ₹5,000 is AU's value, not cash. Some vouchers require you to spend more, so the real saving depends on the brands you use. The page shows a "Claim Offer" button, so tap it to be safe.

⚠️ Watch out: Don't buy things you don't need to hit a voucher. And pay the full bill, because card interest can wipe out any festive saving. See the cost with Monzy's credit card interest calculator.

UPI and app offers on AU 0101

AU also lists rewards for UPI payments, bill payments, recharges, travel bookings and gift cards made through the AU 0101 app. The top UPI spender on the app can win a couple's trip to Goa, subject to terms.

AU Bank credit card apply online

If you don't have an AU credit card yet, here's how to apply online:

1. Existing AU customers: log in to the AU 0101 app and tap Offers to check for a pre-approved credit card offer.
2. No pre-approved offer? Go to Credit Card → Apply Now.
3. Confirm your mobile number and PAN, and select your customer ID.
4. Verify your Aadhaar number.
5. Add your delivery address, personal and employer details.
6. Choose a card (as per your eligibility) and upload address proof.
7. Complete Video KYC.

New customers can apply on au.bank.in. AU says the card is delivered within 7 working days of approval.

Eligibility (per AU's website, Oct 2026): Indian resident; salaried 21–60 years or self-employed 25–65 years; minimum income as specified by the bank; ID, address and income proof.

Which AU credit card to pick

GST applies. For the full lineup, read AU Bank credit cards, the Ananta, Lakshya, Tejas and Prathama launch, and why I liked the AU Xcite Ace.

🛍️ See every bank's festive offers in one place. Check live credit card offers.

FAQs about AU Bank credit card offers

What are the AU Bank credit card offers in October 2026?

AU's Heart to Cart festival runs from October 11 to November 10, 2026. It includes travel, electronics, entertainment and food discounts, 10% off up to ₹2,500 at 35 premium brands, and a voucher bundle valued at ₹5,000 after 3 transactions.

How do I get the AU ₹5,000 voucher offer?

Make 3 or more online or in-store transactions on your AU credit card between October 11 and November 10, 2026. Tap "Claim Offer" on AU's offers page to be safe. Vouchers come within 60 days after the offer ends.

How do I apply for an AU Bank credit card online?

Existing customers can apply in the AU 0101 app under Credit Card → Apply Now, or take a pre-approved offer. New customers can apply on au.bank.in. Both routes need Aadhaar, PAN and Video KYC.

What is the eligibility for an AU credit card?

You need to be an Indian resident, aged 21–60 if salaried or 25–65 if self-employed, with income as specified by AU and valid ID, address and income proof.

Are AU bank credit card offers valid on debit cards?

Many Heart to Cart offers cover AU credit and debit cards, but the ₹5,000 voucher bundle is for credit cards only. Check each offer's terms.

Conclusion

The AU bank credit card offers worth using this season are the Heart to Cart deals until November 10, especially the voucher bundle if you'll use those brands. If you're applying, the AU 0101 app is the quickest route.

Disclaimer

This article is for informational purposes only and doesn't constitute financial advice. Offers are taken from AU Small Finance Bank's announcement and offers page as reported between October 14 and 15, 2026, and card fees from AU's website. They can change or end without notice. Read the terms before you spend.