AU Small Finance Bank offers a diverse portfolio of credit cards in India, with over 10 lakh active cards as of March 2026. These cards cater to various financial needs, from customizable features to UPI-linked transactions and premium lifestyle benefits.
| Option | Annual Cost / Fee | Key Benefit / Rate | Best For |
|---|---|---|---|
| AU LIT Credit Card | Customizable (first of its kind in India) | Customizable features (reward points, cashback, memberships) | Managing personal finances, users who want to customize features |
| CheQ AU Credit Card | ₹499 (reversible on annual spends of ₹3 lakh) | Welcome benefit worth ₹695 (EazyDiner membership), simplifies payments | Maximizing rewards, credit management, digitally savvy customers |
| CheQ AU Credit Card (LED version) | ₹999 (one-time fee, waived until May 31, 2026 for CheQ customers) | India’s first co-branded LED-enabled credit card, simplifies payments | Digitally savvy customers, maximizing rewards, credit management |
| AU KOSMO Credit Card (RuPay) | Lifetime free options available | UPI compatibility, rewards on everyday payments (including scan-and-pay) | UPI-based payments, everyday local transactions, users seeking simple rewards on UPI |
| AU Altura Credit Card | Not specified | full financial tool for everyday savings and secure transactions | Everyday savings and secure transactions, users wanting lifestyle perks and UPI functionality |
| AU Vetta Credit Card | ₹2,999 plus applicable taxes (annual fee) | Premium perks, travel benefits, airport lounge access | Elevated lifestyles, travel and dining, users wanting lifestyle perks and UPI functionality |
| AU Zenith Credit Card | Not specified | Premium perks, travel benefits, airport lounge access (domestic lounge access with certain spend) | Elevated lifestyles, travel and dining, users wanting lifestyle perks and UPI functionality |
| AU Xcite Credit Card | Not specified | Not specified | Young working professionals who want to save on daily spending and have lifestyle benefits |
| AU Ananta Credit Card | Not specified | Premium perks and travel benefits | Users looking for premium perks and travel benefits |
| AU Laksya Credit Card | Not specified | Higher rewards on grocery and daily shopping, lounge access, movie privileges, flexible EMI options | Everyday spenders, grocery and daily shopping, users valuing movie and lounge benefits |
| AU Prathama Credit Card | Low entry barrier | Milestone-based rewards, benefits on recurring payments | First-time credit card users, rewarding and easy-to-manage option |
| AU Corporate Credit Card (Business Cashback) | ₹999 (annual fee) | Cashback on business expenses | Businesses seeking cashback on corporate spending |
| AU Corporate Credit Cards (excluding Business Cashback) | No annual fee | Tailored for business needs | Businesses requiring credit solutions without annual fees |
| AU Small Finance Bank Credit Cards (Xpress Loan) | 2% of the loan amount (processing fee) | Instant loan against credit limit | Cardholders needing quick access to funds |
AU Small Finance Bank’s credit card offerings, including the customizable AU LIT Card and UPI-enabled RuPay options, provide tailored solutions for diverse spending habits and financial goals across India.
Fees, Charges & Interest Rates Compared
AU Small Finance Bank credit cards carry varying fees, with the CheQ AU Credit Card having an annual fee of ₹499 (reversible on ₹3 lakh annual spends) and the LED version an additional one-time fee of ₹999 (waived until May 31, 2026, for CheQ customers). Interest rates and other charges apply if the total amount due is not cleared by the payment due date, impacting your CIBIL score.
| Option | Upfront / Joining Cost | Ongoing / Annual Cost | Interest / Charges |
|---|---|---|---|
| CheQ AU Credit Card | ₹999 (for LED version, waived until May 31, 2026 for CheQ customers) | ₹499 (reversible on annual spends of ₹3 lakh) | Late payment fees, interest charges, cash withdrawal fees, forex fees, over-limit fees, GST as applicable |
| AU LIT Credit Card | Not specified | Quarterly fee (variable) | Penalty of ₹299 if ₹10,000 not spent in 90 days after Amazon Prime activation |
| AU KOSMO Credit Card (RuPay) | Not specified | Lifetime free options available | Interest levied from transaction date on outstanding amount if total amount due not cleared by due date |
| AU Vetta Credit Card | Not specified | ₹2,999 plus applicable taxes | Cash, Rent, Education & Government, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for reward points |
| AU Zenith Credit Card | Not specified | Not specified | Interest levied from transaction date on outstanding amount if total amount due not cleared by due date |
| AU Laksya Credit Card | Not specified | ₹1,000 | Interest levied from transaction date on outstanding amount if total amount due not cleared by due date |
| AU Corporate Credit Card (Business Cashback) | Not specified | ₹999 (annual fee) | Interest levied from transaction date on outstanding amount if total amount due not cleared by due date |
| AU Corporate Credit Cards (excluding Business Cashback) | Not specified | No annual fee | Interest levied from transaction date on outstanding amount if total amount due not cleared by due date |
| AU Small Finance Bank Credit Cards (General) | Varies by card type | Varies by card type | Processing fee of 2% for Xpress Loan, Instant EMI processing fee (amount not specified), payment return charges (₹500) |
| AU Small Finance Bank Credit Cards (Interest-Free Period) | Not applicable | Not applicable | Up to 48 days interest-free credit period; does not apply to cash advances, balance transfers, or EMI transactions |
| Priority Pass Usage (outside India) | Not applicable | Not applicable | $35 + taxes per usage |
| Priority Pass Usage (within India) | Not applicable | Not applicable | Chargeable (amount not specified) |
Cardholders should review the specific terms and conditions for their chosen AU Small Finance Bank credit card to understand all applicable fees and interest rates as of 2026.
Key Benefits, Rewards & Features
AU Small Finance Bank offers a diverse portfolio of credit cards in 2026, each designed with specific benefits for different spending habits. These cards provide features like customizable rewards, UPI compatibility, and premium travel perks, catering to a wide range of Indian consumers. The bank has over 10 lakh active credit cards as of March 2026, reflecting its strong market presence.
- Customizable Features: The AU LIT Credit Card is India’s first customizable card, allowing users to select and adjust features such as reward points, cashback options, and memberships. This adaptability helps manage personal finances effectively.
- UPI Compatibility: AU Small Finance Bank is a leader in RuPay credit cards for UPI-based payments, including the AU KOSMO Credit Card. These cards offer simple rewards on everyday UPI transactions, making digital payments more rewarding.
- Co-branded Innovations: The CheQ AU Credit Card, launched on April 15, 2026, is India’s first LED-enabled credit card. IT offers a unified rewards ecosystem through CheQ Points, redeemable across travel, shopping, and bill payments.
- Premium Travel & Lifestyle: Cards like the AU Vetta and AU Zenith+ offer extensive travel perks, including complimentary domestic and international lounge access, milestone benefits, and concierge services. The Zenith+ is a metal card with lower international fees and Taj Epicure Membership access.
- Reward Programs: The AU Rewardz program provides reward points for transactions made using AU Credit Cards. The CheQ AU Credit Card offers up to 24 CheQ Points per ₹200 spent on select categories like Apple, Amazon, and utility bills.
- Welcome Benefits: New cardholders often receive welcome benefits, such as a ₹2,000 gift voucher with the AU Vetta Credit Card or a ₹695 EazyDiner membership with the CheQ AU Credit Card.
- Insurance & Protection: Premium cards like the AU Zenith+ include full protection coverage and insurance benefits. AU Corporate Credit Cards offer insurance up to ₹50,000 for flight delays, baggage loss, and passport loss.
- Fuel Surcharge Waivers: Many AU Small Finance Bank credit cards provide a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per statement cycle.
These diverse benefits ensure that AU Small Finance Bank credit cards offer significant value and convenience for various financial needs in India.
UPI-Linked RuPay Credit Cards
AU Small Finance Bank is a key issuer of RuPay credit cards designed for UPI-based payments in India as of 2026. These cards allow direct linking with UPI applications, enabling users to earn rewards on everyday scan-and-pay transactions. The AU KOSMO Credit Card, for instance, is a lifetime free RuPay card offering simple rewards on UPI spends.
The National Payments Corporation of India (NPCI) and RBI guidelines mandate that only RuPay network credit cards can be linked to UPI for card-on-UPI transactions. This integration makes credit card usage seamless for daily local transactions, converting routine payments into reward-earning opportunities. AU Small Finance Bank streamlines the linking process through UPI third-party apps like BHIM or AU 0101.
AU Small Finance Bank’s RuPay credit card portfolio includes options like the AU KOSMO Credit Card and AU SPONT Credit Card. The AU KOSMO Credit Card, launched in partnership with Kiwi, offers Kiwi rewards on UPI Scan & Pay, e-commerce, POS, and contactless transactions. The AU SPONT Credit Card also supports UPI application linking and NetBanking login, requiring a minimum monthly income of ₹10,000 for eligibility.
| Card Name | Key Features | Eligibility (Primary Applicant) | Application Process |
|---|---|---|---|
| AU KOSMO Credit Card | RuPay network, UPI compatible, simple rewards on UPI transactions, lifetime free | Indian resident, stable income | Kiwi app |
| AU SPONT Credit Card | RuPay Credit Card, UPI application linking, NetBanking login | Resident of India, minimum monthly income of ₹10,000 | AU0101 app (Google Play Store or Apple App Store) |
| AU InstaPay Credit Card | Virtual only, instant issuance, scan any merchant’s QR code, UPI application linking | Existing AU Small Finance Bank credit card customer | AU Bank website or app |
| AU LIT Credit Card | Customizable features (switch on/off), manage/track expenses, lifetime free | Indian resident, 21-60 years (salaried), 25-65 years (self-employed) | Offline bill payment at branch |
The CheQ AU Credit Card, co-branded with CheQ, is India’s first LED-enabled credit card, launched on April 15, 2026. While not exclusively a RuPay card, IT offers a unified rewards ecosystem through CheQ Points, redeemable across travel, shopping, and bill payments. Applications for this card opened on the CheQ app from April 28, 2026, with an annual fee of ₹499, reversible on annual spends of ₹3 lakh.
CheQ AU Co-branded LED Credit Card
The CheQ AU Credit Card, launched on April 15, 2026, is India’s first LED-enabled co-branded credit card, simplifying payments and maximizing rewards. This card carries an annual fee of ₹499, which is reversible on annual spends of ₹3 lakh, and offers a welcome benefit of a ₹695 EazyDiner membership.
Applications for the CheQ AU Credit Card open on the CheQ app from April 28, 2026. The LED version of the card has an additional one-time fee of ₹999, which is waived for CheQ customers until May 31, 2026.
The CheQ AU Credit Card integrates with the CheQ Points unified rewards ecosystem. Cardholders earn 24 CheQ Points per ₹200 spent on platforms like Apple, Amazon, Flipkart, Zomato, BigBasket, CheQ Travel, and utility bill payments. Other online shopping, food delivery, groceries, and travel bookings across leading Indian brands yield 10 CheQ Points per ₹200 spent.
For CheQ UPI transactions, cardholders receive 5 CheQ Points per ₹200, while other spends earn 2 CheQ Points per ₹200. These points can be redeemed seamlessly across various categories, including travel, shopping, and bill payments.
Eligibility Criteria & Documents Required
AU Small Finance Bank credit cards require applicants to be Indian residents, with specific age criteria for salaried and self-employed individuals. A strong CIBIL score, typically 750 or higher, is for approval and accessing favourable terms.
The application process involves submitting an online form and verifying documents, ensuring a stable income source for repayment capacity.
| Criteria | Requirement |
|---|---|
| Residency | Applicant must be an Indian resident |
| Age (Salaried Employees) | 21 to 60 years |
| Age (Self-Employed Individuals) | 25 to 65 years |
| Age (Add-on Cardholders) | Over 18 years |
| Income Stability | Stable source of income is a prerequisite |
| Minimum Monthly Income (AU SPONT Card) | ₹10,000 |
| Credit Score | CIBIL score of 750 or above (typically required) |
| Existing Customer (AU InstaPay Card) | Existing credit card customer of AU Small Finance Bank |
| Application Platform (CheQ AU Card) | CheQ app (applications open 28 April 2026) |
| Application Process | Online form submission and document verification |
Meeting these criteria helps ensure a smooth application process and increases the likelihood of credit card approval from AU Small Finance Bank.
How to Apply Online: Step-by-Step
Applying for an AU Small Finance Bank credit card in 2026 involves a straightforward online process, with most applications completed via the AU Bank website or specific partner apps. The CheQ AU Credit Card, for instance, opened applications on the CheQ app from April 28, 2026.
The general application process requires Indian residency and a stable income source, with specific age criteria varying by card type.
- Visit the Official Website or App: Access the AU Small Finance Bank website (au.bank.in) or a co-branded partner app like CheQ for the CheQ AU Credit Card.
- Select Your Desired Card: Choose from cards like the AU LIT Card, AU KOSMO Credit Card, or other options based on your spending habits and benefits.
- Fill the Online Application Form: Provide personal details, contact information, employment status (salaried or self-employed), and income details.
- Upload Required Documents: Submit digital copies of your PAN card, Aadhaar card, income proof (salary slips or IT Returns), and address proof.
- Complete KYC Verification: The bank may conduct a digital KYC process, which could include video verification or an in-person visit for document authentication.
- Review and Submit: Carefully check all entered information before final submission to avoid delays in processing.
- Application Tracking: You will receive an application reference number to track the status online, with approval typically taking a few minutes to several days depending on verification.
For specific cards like the AU SPONT Credit Card, applications are primarily handled through the AU0101 app, ensuring a seamless digital experience.
Which AU SFB Card Should You Pick?
Selecting an AU Small Finance Bank credit card in 2026 depends on your spending habits and financial goals. The bank offers a diverse portfolio, from customizable options like the AU LIT Card to UPI-enabled cards such as the AU KOSMO Credit Card, catering to over 10 lakh active cardholders as of March 2026.
- For Customization: The AU LIT Credit Card is India’s first customizable card, allowing you to switch on/off features like reward points, cashback, and memberships to align with your spending.
- For UPI Transactions: The AU KOSMO Credit Card, a RuPay network card, is ideal for everyday UPI payments, offering simple rewards on Scan & Pay transactions via the Kiwi app and a lifetime free option.
- For Premium Benefits: The AU Zenith Credit Card is considered one of India’s best premium cards, offering up to 25X reward points, while the AU Zenith+ provides a metal card experience with Taj Epicure Membership and lower international fees.
- For Travel Perks: The AU Vetta Credit Card targets frequent travelers with welcome benefits like a ₹2,000 gift voucher, milestone benefits, and complimentary lounge access.
- For Co-branded Rewards: The CheQ AU Credit Card, launched on April 15, 2026, is India’s first LED-enabled card, offering a unified rewards ecosystem through CheQ Points redeemable across travel, shopping, and bill payments.
- For Business Needs: AU Corporate Credit Cards provide customized solutions for businesses, including insurance benefits and a 1% fuel surcharge waiver, with most corporate cards having no annual fee (except the Business Cashback Credit Card at ₹999).
Consider your primary spending categories and desired benefits to choose the AU SFB credit card that best suits your lifestyle and financial needs in 2026.
Key Takeaways
- AU Small Finance Bank offers over 10 lakh active credit cards as of March 2026, catering to diverse customer needs.
- The AU LIT Credit Card is unique for its customizable features, allowing users to select reward points or cashback options.
- RuPay-enabled cards like the AU KOSMO Credit Card are designed for seamless UPI transactions, offering rewards on everyday digital payments.
Review the specific features and eligibility criteria for each card on the official AU Small Finance Bank website before applying.
Frequently Asked Questions (FAQs)
What is the AU LIT Credit Card?
The AU LIT Credit Card is India’s first customizable credit card, allowing users to select and adjust features like reward points, cashback options, and memberships. This adaptability helps manage personal finances by tailoring benefits to individual spending habits. You can modify your chosen benefits package and pay fees accordingly.
Does AU Small Finance Bank offer UPI credit cards?
Yes, AU Small Finance Bank is a key player in India’s UPI credit card segment, powering several popular co-branded cards. These cards allow you to make UPI payments directly from your credit limit, combining the convenience of UPI with credit card benefits. For example, the CheQ Credit Card, launched in partnership with AU SFB in 2026, is India’s first LED-powered UPI credit card.
What are the eligibility criteria for an AU Small Finance Bank credit card?
To apply for an AU Small Finance Bank credit card, you must be an Indian resident, typically aged between 21 and 60 years. Lenders also assess your CIBIL score, generally preferring scores above 750, and your monthly income to determine creditworthiness and card type. Specific income requirements vary by card variant, with premium cards requiring higher thresholds.
What happens if I miss an AU Small Finance Bank credit card payment?
Missing an AU Small Finance Bank credit card payment results in late payment fees and interest charges on the outstanding amount. Your card may also be suspended, and the default will negatively impact your CIBIL score, affecting future loan and credit card applications. Always pay your bill by the due date to avoid these penalties.
Do AU Small Finance Bank credit cards offer airport lounge access?
Many AU Small Finance Bank credit cards, especially premium variants, offer complimentary airport lounge access at select domestic and international lounges. For example, cards like the AU Vetta or Zenith provide multiple free visits per year. However, Priority Pass access at participating lounges within India is typically chargeable, and lounge access requires a valid same-day flight ticket.
What is AU Rewardz?
AU Rewardz is AU Small Finance Bank’s loyalty rewards program for its credit cardholders. IT allows you to earn reward points on your spending, which can then be redeemed for various benefits like merchandise, vouchers, or statement credit. The specific earning rates and redemption options vary by the credit card product you hold.
How many active credit cards does AU Small Finance Bank have in India?
As of March 2026, AU Small Finance Bank has over 10 lakh active and outstanding credit cards in India. The bank has rapidly expanded its credit card services since transitioning to a small finance bank in April 2017. This growth reflects its significant presence in the Indian financial sector.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.