AU Small Finance Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 7 AU Small Finance Bank credit cards, including Altura Plus Credit Card, Vetta Credit Card, Zenith+ Credit Card, NOMO Credit Card, AU LIT Credit Card, ixigo AU Credit Card and 1 more.

Cards from the same bank can look alike but differ in what they reward. Compare each AU Small Finance Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

AU Small Finance Bank credit cards and their terms

Altura Plus Credit Card (AU Small Finance Bank): joining fee ₹499 · annual fee ₹499, waived on ₹60,000 yearly spend · base reward 0.5% of spend · forex markup 3.49% · income guide ₹3,00,000 a year · credit score 720+. An entry-level rewards credit card designed for everyday online shopping and grocery spending with an easy fee waiver. Perks: 1.5% cashback/reward rate on online spends and departmental store purchases; 1% fuel surcharge waiver across all petrol pumps in India (on transactions between ₹400 and ₹5,000); 2 complimentary railway lounge access visits per calendar quarter.
Vetta Credit Card (AU Small Finance Bank): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic, 4 international · forex markup 2.99% · income guide ₹6,00,000 a year · credit score 720+. A lifestyle credit card offering accelerated rewards on groceries and utility bills alongside comprehensive lounge access. Perks: Welcome vouchers worth ₹2,000 on spending ₹30,000 within the first 60 days; 1 complimentary domestic airport lounge visit and 1 international lounge visit (via Priority Pass) per calendar quarter; 2 complimentary railway lounge access visits per calendar quarter.
Zenith+ Credit Card (AU Small Finance Bank): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹8,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 16 domestic, 16 international · forex markup 0.99% · income guide ₹30,00,000 a year · credit score 750+. A premium metal travel card offering an exceptionally low 0.99% forex markup, extensive lounge access, and robust reward values. Perks: Welcome benefit of luxury brand vouchers or 5,000 Reward Points (worth ₹5,000); Extremely low forex markup fee of just 0.99% on international transactions; Up to 16 complimentary domestic and 16 international airport lounge access visits per year.
NOMO Credit Card (AU Bank): joining fee ₹199 · no annual fee · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 0.99%. An accessible, low-cost secured credit card offering solid travel perks and a low forex markup for beginners building their credit. Perks: 2 complimentary domestic airport lounge visits per quarter (spend-based); 2 complimentary railway lounge visits per quarter; Low forex markup fee of 0.99%.
AU LIT Credit Card (AU Small Finance Bank): no joining fee · no annual fee · base reward 0.25% of spend · forex markup 3.49% · income guide ₹3,00,000 a year · credit score 700+. India's first customizable credit card that lets you pay only for the reward categories and benefits you actually use. Perks: Fully customizable reward structure via the AU 0101 app.; Base card is lifetime free with no standard annual fee.; Optional 90-day feature packs for 10X rewards, 5% cashback, and OTT subscriptions..
ixigo AU Credit Card (AU Small Finance Bank): no joining fee · no annual fee · base reward 0.5% of spend · lounge visits per year: 8 domestic, 1 international · income guide ₹3,00,000 a year · credit score 700+. A lifetime free travel credit card offering zero forex markup, comprehensive lounge access, and discounts on ixigo bookings. Perks: Lifetime free credit card with zero joining and annual fees; 0% forex markup fee on international transactions; Up to 10% instant discounts on flight, hotel, and bus bookings via ixigo.
AU Zenith Credit Card (AU Small Finance Bank): joining fee ₹7,999 · annual fee ₹7,999, waived on ₹5,00,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 1.99%. A premium travel and rewards credit card offering accelerated earnings on dining and groceries alongside a low forex markup. Perks: Up to 5 Reward Points per ₹100 on dining, groceries, and international spends (1.25% value-back); 2 domestic airport lounge access per quarter (subject to ₹20,000 retail spend in the preceding quarter); 2 international airport lounge access per quarter via Priority Pass.

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AU Small Finance Bank credit cards: fees, rewards and eligibility compared

AU Small Finance Bank credit cards and their terms

Altura Plus Credit Card (AU Small Finance Bank): joining fee ₹499 · annual fee ₹499, waived on ₹60,000 yearly spend · base reward 0.5% of spend · forex markup 3.49% · income guide ₹3,00,000 a year · credit score 720+. An entry-level rewards credit card designed for everyday online shopping and grocery spending with an easy fee waiver. Perks: 1.5% cashback/reward rate on online spends and departmental store purchases; 1% fuel surcharge waiver across all petrol pumps in India (on transactions between ₹400 and ₹5,000); 2 complimentary railway lounge access visits per calendar quarter.
Vetta Credit Card (AU Small Finance Bank): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic, 4 international · forex markup 2.99% · income guide ₹6,00,000 a year · credit score 720+. A lifestyle credit card offering accelerated rewards on groceries and utility bills alongside comprehensive lounge access. Perks: Welcome vouchers worth ₹2,000 on spending ₹30,000 within the first 60 days; 1 complimentary domestic airport lounge visit and 1 international lounge visit (via Priority Pass) per calendar quarter; 2 complimentary railway lounge access visits per calendar quarter.
Zenith+ Credit Card (AU Small Finance Bank): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹8,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 16 domestic, 16 international · forex markup 0.99% · income guide ₹30,00,000 a year · credit score 750+. A premium metal travel card offering an exceptionally low 0.99% forex markup, extensive lounge access, and robust reward values. Perks: Welcome benefit of luxury brand vouchers or 5,000 Reward Points (worth ₹5,000); Extremely low forex markup fee of just 0.99% on international transactions; Up to 16 complimentary domestic and 16 international airport lounge access visits per year.
NOMO Credit Card (AU Bank): joining fee ₹199 · no annual fee · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 0.99%. An accessible, low-cost secured credit card offering solid travel perks and a low forex markup for beginners building their credit. Perks: 2 complimentary domestic airport lounge visits per quarter (spend-based); 2 complimentary railway lounge visits per quarter; Low forex markup fee of 0.99%.
AU LIT Credit Card (AU Small Finance Bank): no joining fee · no annual fee · base reward 0.25% of spend · forex markup 3.49% · income guide ₹3,00,000 a year · credit score 700+. India's first customizable credit card that lets you pay only for the reward categories and benefits you actually use. Perks: Fully customizable reward structure via the AU 0101 app.; Base card is lifetime free with no standard annual fee.; Optional 90-day feature packs for 10X rewards, 5% cashback, and OTT subscriptions..
ixigo AU Credit Card (AU Small Finance Bank): no joining fee · no annual fee · base reward 0.5% of spend · lounge visits per year: 8 domestic, 1 international · income guide ₹3,00,000 a year · credit score 700+. A lifetime free travel credit card offering zero forex markup, comprehensive lounge access, and discounts on ixigo bookings. Perks: Lifetime free credit card with zero joining and annual fees; 0% forex markup fee on international transactions; Up to 10% instant discounts on flight, hotel, and bus bookings via ixigo.
AU Zenith Credit Card (AU Small Finance Bank): joining fee ₹7,999 · annual fee ₹7,999, waived on ₹5,00,000 yearly spend · base reward 0.75% of spend · lounge visits per year: 8 domestic, 8 international · forex markup 1.99%. A premium travel and rewards credit card offering accelerated earnings on dining and groceries alongside a low forex markup. Perks: Up to 5 Reward Points per ₹100 on dining, groceries, and international spends (1.25% value-back); 2 domestic airport lounge access per quarter (subject to ₹20,000 retail spend in the preceding quarter); 2 international airport lounge access per quarter via Priority Pass.

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.