Types of AU Bank Credit Cards – Benefits and Eligibility

Types of AU Bank Credit Cards: In today’s rapidly moving world of finance, credit cards have become an essential tool for managing expenses and building credit history.

Au Small Finance Bank, a renowned banking institute in India, offers a variety of credit cards tailored to the various requirements of your lifestyle and financial goals. Whether you are a frequent traveler,  shopping enthusiast, or someone who wants to build your loan profile, AU Bank has options specifically designed for you.

This comprehensive guide will explore the different Types of AU Bank Credit Cards and the admission criteria for each.

Premium Credit Card Options from AU Bank

AU Bank Premium Credit Card Cards are aimed at customers who demand exclusive benefits and increased experience. These cards typically offer higher credit limits, a premium program, and access to the airport lounge.

The AU Bank Zenith Credit Card is the flagship in this category, offering cardholders accelerated reward points for travel books, food experiences, and entertainment purchases.

To qualify for a Premium Card, applicants usually need a minimum annual income of ¹7-10 lakh, excellent creditworthiness (usually above 750), and a stable employment history of at least 2 years.

The Premium segment also includes  AU Bank Platinum Credit Cards, which focus on providing an improved lifestyle. Cardholders can enjoy complimentary golf meetings, premium dining offers, and personalized concierge services.

Registration requirements reflect the requirements of  Zenith Cards, but sometimes, there is a flexible income threshold, allowing access to a broader range of professionals.

Rewards-Based Credit Cards

For customers who prioritize revenue over daily expenses, AU Bank offers unique maps that focus on points accumulation and solutions.

AU Rewards credit cards allow users to earn points for all purchases and use bonus points in specific categories such as shopping, fuel, and pension calculation payments.

Redemption options are extensive, ranging from products and gift vouchers to books and cashback. Permissions for premium cards are relatively simple and usually require an annual income of ¹4-6 larks and a creditworthiness of 700+.

These cards are great options for middle-income professionals who want to maximize value from their regular editions without paying excessive annual fees.

Travel-Focused Credit Cards

Frequently, travelers find AU Bank travel credit cards particularly attractive. Au Voyager credit cards offer comprehensive travel benefits, including free access to airport flights, zero reimage of international transactions, travel emergencies, luggage loss, travel cancellations, and more. Additionally, cardholders will earn accelerated rewards for flight books, hotel stays, and international purchases.

To qualify for a travel credit card, applicants must demonstrate an annual income of at least ¹6 larks and maintain a credit score of over 720. Banks also consider travel courses when evaluating applications, making these cards more accessible to people with established international travel records.

Cashback Credit Cards

Cashback credit cards are becoming extremely popular as AU banks recognize the need for uncomplicated financial services. AU CashPlus credit cards offer direct Ginged Ending for specific output categories with a high cashback rate for essential foods such as food, fuel, and more. Automatic credits for cashback to card orders simplify the user’s process.

 Cashback card entry criteria must include income requirements from ¹3.5 lakh per year and a loan score  680+. This accessibility makes cashback cards an excellent starting point for young professionals and new credit card specialists.

Co-Branded Credit Cards

AU Bank has established strategic partnerships with various retail brands, e-commerce platforms, and service providers to offer co-branded credit cards. These cards have an increased advantage in partner facilities, such as additional discounts, exclusive offers, and accelerated reward points.

Authorization requirements for co-branded cards vary depending on the partnership but generally meet standard credit card standards. Applicants typically require an annual income of ¹4-7 larks and creditworthiness of over 700 years of age. Banks can also consider their relationship with CO brand partners when evaluating their applications.

Secured Credit Cards

AU Bank offers secure credit cards for those with limited credit history or a redesigned loan profile. These cards require a permanent down payment for security purposes. As a result, credit limits are usually set at 80-90% of the deposit amount. Au Bank Secure Plus credit cards describe this category, show essential credit card features, and determine or improve your credit skills.

The justification for protected cards is primarily about the ability to place permanent deposits and access people without prior credit history or loss of claims. Typically, the minimum deposit amount starts at ¹20,000, and increasing it to access a higher credit boundary is possible.

Business Credit Cards

Entrepreneurs and business owners can use AU Bank Business Credit Cards to manage their company’s costs efficiently. These cards offer benefits tailored to your business requirements, such as cost classification, several add-on cards for employees,  and compensation focused on business-related expenses such as office supplies, travel, and digital services.

To qualify for a business credit card, applicants must provide the company with registration documents, degrees, and income tax returns. The company must be operating for at least two years. It will result in annual sales requirements varying based on a specific card level.

FAQs For Types of AU Bank Credit Cards