helloworld
TF Legend
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.
- 2.5% on Train tickets
- 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
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.
- 2.5% on Train tickets
- 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
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