helloworld
TF Legend
While AU Bank may not compete directly with major banks, it offers a decent selection of credit cards, many of which are LTF (Lifetime Free). Below is a quick guide to help you choose the best AU card based on features and recommendations.
Altura Plus:
- 1.5% Offline Cashback (Upto 6500Rs. in a month).
- 2 Railway Lounges
Recommendation: Avoid
Vetta:
- 1% on Grocery & Departmental Stores
- 1 Domestic Lounge & 2 Railway Lounge
Recommendation: Avoid
Zenith:
- 5% on Dining
- 2.5% on Grocery & Departmental Stores
- 1.25% on Other categories
- 2 Domestic, 2 PP & 2 Railway Lounge
Recommendation: Consider if LTF and depends on other cards with you
LIT:
- Get around 7% return on Dining, Apparel, Online & Offline Spends
- Best if you plan spends in a quarter and utilize subscription plans well
- Need to spend atleast 1K as fee every quarter (7% after recovering this fee, so its good depends on your spends)
More: https://www.technofino.in/community/threads/au-lit-customizable-features.2848/
Recommendation: Consider If you spend 20k - 30k every month on subscription categories
Ixigo:
- 10% on Flight, Bus & Hotel upto 1000Rs.
- 2.5% on Train tickets
- Rupay platform
- 16 Domestic & Railway, 1 PP
Note: Valid using ixigo platforms only
Recommendation: Consider
NoMo (FD Card):
Recommendation: Consider if you are new to credit cards.
Spont (UPI Card):
- 1% Cashback
- 2 Domestic Lounge & 2 Railway Lounge
Recommendation: Consider
ABC NXT & Flex:
- 1.25% on Grocery & Departmental Stores
- 1% on Online
- 2 Railway Lounge
Recommendation: Avoid
ABC Pro:
- 2.5% on Travel & Dining
- 1.5% on Online
- 1% on Offline
Recommendation: Consider depends on cards with you
InstaPay (UPI Card):
- 1% on Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets
Recommendation: Consider
XCite:
- 3% on Departmental Stores, Dining & Grocery
- 6% during 1 to 5th of every month
- 2 Railway Lounge
Recommendation: Good for mentioned categories
XCite Ace:
- Upto 3% cashback (on upto 25k spends)
- 2 Domestic & 2 Railway Lounge
Recommendation: Good for Insurance, Utilities etc.
XCite Ultra:
- Online 2%
- Offline 1%
- 2 Domestic & 2 Railway Lounge
Recommendation: Consider depends on other cards with you
Zenith+:
- 1 Meet & Greet
- 2% on Travel & Dining
- 1% on Other spends
- +1.3% Milestone benefits on 75k spends in a month
- 4 Domestic & 4 PP
Recommendation: Avoid if you already have premium cards from major banks, unless you're seeking a metal card or lounge access.
More: https://www.technofino.in/community/threads/au-zenith-vs-au-zenith.18143/
Let me know if there are any standout features missing from the list above.
TIA!
Altura Plus:
- 1.5% Offline Cashback (Upto 6500Rs. in a month).
- 2 Railway Lounges
Recommendation: Avoid
Vetta:
- 1% on Grocery & Departmental Stores
- 1 Domestic Lounge & 2 Railway Lounge
Recommendation: Avoid
Zenith:
- 5% on Dining
- 2.5% on Grocery & Departmental Stores
- 1.25% on Other categories
- 2 Domestic, 2 PP & 2 Railway Lounge
Recommendation: Consider if LTF and depends on other cards with you
LIT:
- Get around 7% return on Dining, Apparel, Online & Offline Spends
- Best if you plan spends in a quarter and utilize subscription plans well
- Need to spend atleast 1K as fee every quarter (7% after recovering this fee, so its good depends on your spends)
More: https://www.technofino.in/community/threads/au-lit-customizable-features.2848/
Recommendation: Consider If you spend 20k - 30k every month on subscription categories
Ixigo:
- 10% on Flight, Bus & Hotel upto 1000Rs.
- 2.5% on Train tickets
- Rupay platform
- 16 Domestic & Railway, 1 PP
Note: Valid using ixigo platforms only
Recommendation: Consider
NoMo (FD Card):
Recommendation: Consider if you are new to credit cards.
Spont (UPI Card):
- 1% Cashback
- 2 Domestic Lounge & 2 Railway Lounge
Recommendation: Consider
ABC NXT & Flex:
- 1.25% on Grocery & Departmental Stores
- 1% on Online
- 2 Railway Lounge
Recommendation: Avoid
ABC Pro:
- 2.5% on Travel & Dining
- 1.5% on Online
- 1% on Offline
Recommendation: Consider depends on cards with you
InstaPay (UPI Card):
- 1% on Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets
Recommendation: Consider
XCite:
- 3% on Departmental Stores, Dining & Grocery
- 6% during 1 to 5th of every month
- 2 Railway Lounge
Recommendation: Good for mentioned categories
XCite Ace:
- Upto 3% cashback (on upto 25k spends)
- 2 Domestic & 2 Railway Lounge
Recommendation: Good for Insurance, Utilities etc.
XCite Ultra:
- Online 2%
- Offline 1%
- 2 Domestic & 2 Railway Lounge
Recommendation: Consider depends on other cards with you
Zenith+:
- 1 Meet & Greet
- 2% on Travel & Dining
- 1% on Other spends
- +1.3% Milestone benefits on 75k spends in a month
- 4 Domestic & 4 PP
Recommendation: Avoid if you already have premium cards from major banks, unless you're seeking a metal card or lounge access.
More: https://www.technofino.in/community/threads/au-zenith-vs-au-zenith.18143/
Let me know if there are any standout features missing from the list above.
TIA!
Last edited:
