AU Bank Credit Cards Overview: Find the Perfect Card for Your Lifestyle

[helloworld]

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.

Note: 80% of AU credit cards are LTF, with only 2-3 being paid cards. Don’t expect heavy benefits because no bank can survive with only LTF cards (Hint: IDFC).

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!

 

[Wealth is my birth right!]

Thats a great coverage for AU credit cards
Thanks for the info

 

[cowcoconut]

Does the ixigo card work for bank offers (outside ixigo)?
I've been getting mixed answers for this question

 

[doomlord]

Thanks, was looking for a comparison like this!

 

[KingAAR]

Though not at all comparable with major banks, AU has fair share of credit cards despite being a small finance bank. Below will give you general idea to help you choose best card..

Note: Unlike other banks, AU offered 80% of them as LTF cards and only 2 or 3 cards as paid (if we consider getting core cards from xCite or Salary based MNC etc.), so do not expect heavy benefits because no bank can survive with only LTF cards (Hint: IDFC).

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 depends on other cards with you & LTF availability

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 have 20k - 30k spends every month on subscription plans

Ixigo:

- 10% on Flight, Bus & Hotel upto 1000Rs.
- 5% on Train tickets
- 2.5% on Online spends
- Rupay platform
- 16 Domestic & Railway, 1 PP

Note: Valid using ixigo platforms only

Recommendation: Consider

NoMo (FD Card):

Recommendation: You're getting a Credit Card for the first time or you’re someone with no credit history.

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: If you consider and eligible this card means you might have Super premium cards from other major banks, can avoid easily unless you want Metal but useful those who utilize it for Lounge.

More: https://www.technofino.in/community/threads/au-zenith-vs-au-zenith.18143/

Let me know if any standout feature missing from any of these cards.

TIA

Please edit the post bro, AU ixigo provides 1.25% cash back, please check and correct

 

[helloworld]

Please edit the post bro, AU ixigo provides 1.25% cash back, please check and correct

10 points online, 5 points offline. any changes in that?

 

[helloworld]

Does the ixigo card work for bank offers (outside ixigo)?
I've been getting mixed answers for this question

never saw in au offers that particularly exclude cards.

some cards have specific offers but if there is 10% offer like that there is no mention of exclude cards.

Infact, SBI (SBI Cashback), ICICI (APay), Onecard partner banks.. except this I do not see exclusion for other cards. Let me know if any cards following this exclusion. TIA

 

[KingAAR]

10 points online, 5 points offline. any changes in that?

but for 200rs, it will give 10points... so effectively you get 2.5rs for every 200rs spent..

 

[helloworld]

but for 200rs, it will give 10points... so effectively you get 2.5rs for every 200rs spent..

Oh, missed that, updated. let me know if any changes. T

 

[helloworld]

Does the ixigo card work for bank offers (outside ixigo)?
I've been getting mixed answers for this question

It works, not seen anywhere about excluding this card.

https://offers.aubank.in/offers/offer-details/cdd148b3-c705-41a5-b1d7-9159ecaa0b39/generic/ajio?merchantId=cdd148b3-c705-41a5-b1d7-9159ecaa0b39&categoryType=generic

 

[Fabanana]

Is it possible to upgrade AU Ixigo to AU Zenith +?

 

[helloworld]

Is it possible to upgrade AU Ixigo to AU Zenith +?

yes, but zenith+ not good card to spend 5900.

you pay: 5900
you receive: 5000
additional charges per redemption: 117

effectively: 1017rs.

to recover you need to spend: 1.5L in a year

 

[Fabanana]

yes, but zenith+ not good card to spend 5900.

you pay: 5900
you receive: 5000
additional charges per redemption: 117

effectively: 1017rs.

to recover you need to spend: 1.5L in a year

Wow thank you so much, I spend more than that in a year. Do you know the process for upgrading?

 

[helloworld]

Wow thank you so much, I spend more than that in a year. Do you know the process for upgrading?

If you have >5L limit or eligible drop an email to

https://www.aubank.in/support/contact-us

btw, 1.5L just to recover your paid fee.. only above purchases gives net return.

 

[sambitpatro]

If you have >5L limit or eligible drop an email to

https://www.aubank.in/support/contact-us

btw, 1.5L just to recover your paid fee.. only above purchases gives net return.

What's the value of 5000 reward points?where can we use it?

 

[drsel]

What's the value of 5000 reward points?where can we use it?

1000 Amazon pay

 

[sambitpatro]

1000 Amazon pay

Is it 1000 Amazon pay or 5000? 1 rp is 1 rs is guess in Zenith plus

 

[helloworld]

Is it 1000 Amazon pay or 5000? 1 rp is 1 rs is guess in Zenith plus

Zenith+ = 1Rs.
Others = 0.2p. (for amzn voucher)

 

[sousnake]

Zenith+ = 1Rs.
Others = 0.2p. (for amzn voucher)

correct.
But I don't redeem points for amazon instead I directly do mobile/dth recharge from au portal which gives 1 point = 0.25 (for xcite ultra).

 

[helloworld]

correct.
But I don't redeem points for amazon instead I directly do mobile/dth recharge from au portal which gives 1 point = 0.25 (for xcite ultra).

0.2 only for vouchers, other categories 0.25p. OP specific requirement amzn voucher, hence the value. Yes, its always better to get max. value if that category suits us.