AU Small Finance Bank credit cards
We cover 2 AU Small Finance Bank cards, 1 with no annual fee. Annual fees range from ₹0 to ₹4,999.
At a glance
- 2 cards are currently offered (open, invite-only or waitlisted).
- 1 with no annual fee.
- 1 include domestic airport lounge visits (check the spend conditions).
- 2 of 2 are high confidence (key figures confirmed in the issuer's own documents); the rest are partly verified.
- For a metro salaried spending profile (₹60,000 a month) the top open AU Small Finance Bank cards by net yearly value are AU Small Finance Bank Zenith+ Credit Card, AU LIT Credit Card.
All AU Small Finance Bank cards, ranked
Ranked by estimated net yearly value for a metro salaried profile (₹60,000 a month across typical categories; assumptions on the methodology page). Your spending mix will change the order; the calculator uses your own numbers.
| Card | Annual fee | Net a year | Headline rate | Status | Data |
|---|---|---|---|---|---|
| AU Small Finance Bank Zenith+ Credit Card | ₹4,999 | ₹3,041 | 1% base, up to 2% on dining & food delivery/flights & hotels/international (foreign currency) | open | Official docs |
| AU LIT Credit Card | ₹0 | ₹1,680 | 0.25% base, 5% at partners, capped | open | Official docs |
Which AU Small Finance Bank card suits whom
AU Small Finance Bank Zenith+ Credit Card (₹4,999 a year)
A high-fee card (₹4,999, waived at ₹8 lakh) with clear reward economics: AU's page states a point is worth ₹1, earn is 2 points per ₹100 on travel, dining and international spends and 1 per ₹100 elsewhere, plus 1,000 bonus points per statement cycle on ₹75,000 of retail spend. Eligibility as stated: Monthly net income ₹2.5 lakh; salaried 21-60, self-employed 25-65, resident Indian (official, indicative).
AU LIT Credit Card (₹0 a year)
Lifetime free, but the higher rates are paid add-ons, not features of the card: the base rate is 1 point per ₹100 (about 0.25% at ₹0.25 a point), and the 5X and 10X rates need a pack of ₹199 to ₹399 per 90 days. Eligibility as stated: Resident Indian; salaried 21-60, self-employed 25-65 (indicative); add-on over 18
Run your spend through AU Small Finance Bank cards and the rest