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AU Bank Credit Card: Unlock Exclusive Rewards and Benefits

Writer's picture: Abhinand PSAbhinand PS

Introduction: Why Choose AU Bank Credit Card?

In today's fast-paced world, credit cards have become an essential financial tool, offering convenience, security, and a wealth of rewards. AU Bank, a rising star in India's banking sector, offers a range of credit cards designed to meet the needs of its diverse customer base.

Whether you’re a frequent traveler, a shopaholic, or someone looking to manage daily expenses with ease, AU Bank Credit Cards offer a variety of features to suit your lifestyle.

In this blog, we’ll delve deep into the AU Bank Credit Card, exploring its features, benefits, how to apply, and the best ways to maximize your rewards.



Purple and orange AU Small Finance Bank logo with Hindi text "चलो आगे बढ़ें" on an orange stripe below.

AU Bank Credit Card Features: An Overview

AU Bank offers several types of credit cards tailored to different customer needs. Here’s a quick overview of the main benefits:

  • Cashback Offers: Get cashback on everyday purchases and specific categories like dining, travel, and fuel.

  • Reward Points: Earn reward points on every purchase, which can be redeemed for travel bookings, gadgets, and more.

  • Exclusive Discounts: Enjoy special discounts on partner brands, including retail, dining, and travel.

  • Zero Annual Fee for First Year: Some AU Bank credit cards offer no annual fee for the first year, allowing you to explore the benefits without any upfront costs.

Types of AU Bank Credit Cards

  1. AU Bank Genesis Credit CardPerfect for frequent travelers, this card offers priority pass access, complimentary airport lounge access, and exclusive travel rewards.

  2. AU Bank Platinum Credit CardDesigned for everyday spending, it provides cashback on shopping, dining, and fuel, making it ideal for those who want to save more on daily expenses.

  3. AU Bank Prosperity Plus Credit CardWith a focus on high-value rewards, this card offers the best benefits for those looking to earn points quickly and redeem them for premium experiences.

How to Apply for an AU Bank Credit Card

Applying for an AU Bank credit card is a simple process. You can follow these steps:

  1. Visit the AU Bank Website: Go to the official website AU Bank Credit Cards.

  2. Choose Your Credit Card: Based on your needs, select the credit card that best suits you.

  3. Fill Out the Application Form: Provide basic details such as your name, address, income details, and other necessary information.

  4. Submit the Required Documents: You’ll need to submit documents such as your ID proof, address proof, and income proof.

  5. Wait for Approval: Once your application is submitted, AU Bank will review your eligibility and approve your application.

AU Bank Credit Card Eligibility Criteria

Before applying for an AU Bank credit card, it’s important to ensure you meet the eligibility criteria:

Eligibility Criteria

Details

Age

21 years to 60 years

Minimum Income

₹25,000 per month (varies by card type)

Credit Score

750 or above (recommended)

Employment

Salaried or self-employed

Maximizing Your AU Bank Credit Card Benefits

To get the most out of your AU Bank credit card, consider these strategies:

  1. Opt for Categories with Maximum Cashback: Some credit cards offer higher cashback rates on specific categories. For example, you can get up to 5% cashback on dining and fuel expenses.

  2. Redeem Reward Points Smartly: Reward points can be redeemed for travel, electronics, or even shopping vouchers. Make sure you use them wisely to maximize their value.

  3. Pay on Time to Avoid Charges: Always pay your credit card bill on time to avoid late fees and interest charges. Set reminders or automate payments for hassle-free management.

  4. Use the Lounge Access and Travel Benefits: If you have a travel-focused card like the Genesis Credit Card, make sure to utilize airport lounge access and exclusive travel offers to enhance your experience.

AU Bank Credit Card Benefits: At a Glance

Benefit

Details

Reward Points

Earn points on every transaction

Cashback Offers

Cashback on select categories

Airport Lounge Access

Priority pass and lounge access (Genesis)

Travel Benefits

Discounts on flight bookings, hotels

Zero Annual Fee

Waiver for the first year

Frequently Asked Questions (FAQ)

Q1: What is the AU Bank credit card application process?You can apply online through the AU Bank website. Simply choose your desired card, fill out the application form, and submit the necessary documents.

Q2: Are there any annual fees for AU Bank credit cards?Some cards come with zero annual fees for the first year, while others may charge an annual fee that can be waived on meeting the minimum spend criteria.

Q3: How can I redeem AU Bank credit card reward points?Reward points can be redeemed for travel, shopping vouchers, or electronic gadgets. You can check the rewards catalog on the AU Bank website for available options.

Q4: What is the minimum income required to apply for an AU Bank credit card?The minimum income requirement is ₹25,000 per month, though it can vary based on the credit card type.

Q5: How can I track my AU Bank credit card transactions?You can track all your credit card transactions via AU Bank’s mobile banking app or by logging into your account on their website.

Conclusion

An AU Bank Credit Card is a great financial tool that offers a range of benefits, including cashback, rewards points, and exclusive discounts. Whether you’re a frequent traveler or someone looking for everyday savings, AU Bank has a credit card that suits your needs. With easy application, attractive benefits, and straightforward redemption options, AU Bank ensures a rewarding banking experience.

To explore more or apply for your AU Bank Credit Card, visit AU Bank Credit Cards today.

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