AU Credit Card: AU Bank has recently launched a new credit card in collaboration with Ixigo, named AU Credit Card. This card is specially designed for those who travel frequently and want to make their travel experience even better. With this card, you get great discounts on hotel, travel and flight bookings.
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AU Bank Credit Card is a premium category credit card, which offers you domestic and international lounge visits as well as great reward points in various categories. For example, you get 20 reward points for booking a train from and 10 reward points in the category of online shopping.
Talking about the travel benefits of this credit card, you get 16 domestic and railway lounge visits and 1 international lounge visit in a year. Apart from this, you also get a discount of 10% on travel bookings.
The joining and annual fee of this AU Bank credit card is ₹999 + taxes. However, according to this fee, this credit card offers the best benefits in the travel category.
With this credit card, you get 1000 reward points and money vouchers worth ₹1000 as a welcome gift. The forex markup fee of this credit card is also only 1.99%, so that you can save a lot on international transactions as well.
Apart from these benefits, you also get great discounts on bus booking and hotel booking. Let us know in detail about all the features and benefits of this credit card.
| Highlights | Description |
| Best For | Travel |
| Welcome Benefits | – 1000 Reward Points |
| – Money Voucher of ₹1000 | |
| Joining Fee | ₹999 + Taxes |
| Annual Fee | ₹999 + Taxes |
| Interest Rate | 3.49% per month | 41.88% per annum |
AU Credit Card Benefits
Friends, if you are fond of travel and shopping, then AU credit card can be the perfect choice for you. The benefits and features of this card are given below:
1. Welcome Benefit
- You get 1000 reward points and money voucher of ₹ 1000 on making one transaction within 30 days of card issuance.
2. AU Reward Points
- Train Booking (from ixigo): 20 Reward Points per ₹200
- Online Shopping: 10 Reward Points per ₹200
- Offline Spending: 5 Reward Points per ₹200
3. Reward Points Redemption
- E-Vouchers (Top Brands)
- Merchandise
- Mobile/DTH Recharge
- Flight/Hotel Booking
4. Travel Benefits
- Domestic Airport Lounge: 16 times a year
- Domestic Railway Lounge: 16 times a year
- International Airport Lounge: 1 time a year (with Priority Pass Membership)
5. Discount on Travel Bookings
- 10% discount on flight bookings up to ₹1,000 from ixigo
- On Train Bookings No PG charges
- 10% discount on bus bookings up to ₹300 from ixigo
- 5% discount on hotel bookings up to ₹1,000 from ixigo
6. Low Forex Markup Fee
- Only 1.99% fee on international transactions
7. Fuel Surcharge Waiver
- 1% surcharge waiver on fuel transactions from ₹400 to ₹5000
8. Card Liability Cover
- No responsibility on loss of card (if bank is informed immediately)
- Credit shield of ₹5 lakh
9. Annual Fee Waiver
- Annual fee waived on spending ₹1000 within 30 days of card issuance
- Annual fee waived even on spending ₹1,00,000 in the previous year
10. Other Benefits
- Contactless Payment: Pay up to ₹5000 without PIN
- XpressEMI: Convert shopping of more than ₹2,000 into EMI
- Add-on Cards: Lifetime Free Add-on Cards
Thus, AU Credit Card is a great option to enhance your travel and shopping experience.
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AU Credit Card Fees & Charges
- Interest Rate: 3.49% per month Or 41.88% per year
- Cash Advance Fee: 2.5% of the transaction amount
- Forex Markup Fee: 1.99% of the transaction amount
- Joining Fee: ₹999 + Tax
- Annual Fee: ₹999 + Tax
- Add-on Card Fee: Free
AU Credit Card Eligibility
- The applicant must be an Indian citizen.
- The add-on card holder must be above 18 years of age.
- The primary card holder must be between 21 and 60 years of age.
- The applicant must be registered on the platform.
Documents Required
- Identity Proof: Aadhar Card, PAN Card, Driving License, Passport
- Address Proof: Aadhar Card, Passport, Voter ID Card, Driving License, Electricity Bill
- Income Proof: Last 3 months salary slip, last 6 months bank statement, copy of ITR return, Form 16
AU Credit Card Apply
Here is the process to apply for AU Bank credit card online:
- Visit the official website of AU Bank and click on the “Apply Now” button for AU Bank credit card.
- Go to the Cards section or directly select the AU Bank credit card option.
- Visit the AU Bank credit card page and review the card details and benefits.
- Click on the “Apply Now” button on the page.
- A form will appear in which you have to fill your personal details, contact details and other required fields properly.
- Upload all the required documents of identity proof, address proof, income proof etc.
- After filling the form and uploading the documents, verify all the information and then submit the form.
By following these steps, you can successfully apply for AU Bank credit card online.
AU Credit Card Pros & Cons
Friends, let’s talk about the pros and cons of AU Bank Credit Card:
Pros:
This card provides you the facility to visit domestic and foreign lounges. Along with this, railway lounges are also available for you. Up to 10% discount is available on flight and hotel bookings and the Forex Markup fee is also only 1.99%. If you make travel related purchases, then apart from this, you also get 20 reward points on train bookings.
Cons:
This card is beneficial only for travel related benefits. If you shop at food, dining or departmental stores, then this card may not be beneficial for that.
Conclusion
Friends, AU Bank Credit Card is an excellent travel credit card that offers you many great benefits. If you book all your travels from Ixigo, then this card can be really important for you. With this, you get access to domestic and railway lounges and international lounges are also available. Additionally, you can also avail reward points on travel bookings. If you are an authenticated user of Ixigo, then you can get great satisfaction from the features of this card.
FAQs
What are AU credit cards?
AU Bank Credit Card is a premium category credit card, which offers you domestic and international lounge visits as well as great reward points in various categories.
What is AU Bank full form?
AU Small Finance Bank. There is no full form for AU
Is the AU Credit Card safe?
Yes, It is RBI Approved Bank. So, It is safe
