Expert Selection 2026
Best Credit Cards for AU SMALL FINANCE BANK LIMITED
India's largest small finance bank known for the LIT and Altura credit cards with flexible features.
Recommended Cards (13)
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Top Choice
AU SMALL FINANCE BANK LIMITED
Aditya Birla AU Bank Credit Card Pro
Excellent
Expert Score5.0
Joining Fee
₹999
Annual Fee
₹999
- Nxt & Flex: Up to 6 rewards points per Rs. 200; 5% cashback on Ola (max Rs. 100/month)
- Pro: Up to 10 reward points per Rs. 200; 10% cashback on Ola (max Rs. 200/month); 1.99% forex markup
AU SMALL FINANCE BANK LIMITED
AU Bank Xcite Ultra Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 4 RP/Rs. 100 (1%) on offline spends
- 8 RP/Rs. 100 (2%) on online spends
- 12 RP/Rs. 100 (3%) on international spends
AU SMALL FINANCE BANK LIMITED
AU Bank Xcite Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 15 RP/Rs. 100 (3% return) on dining, movies, grocery, departmental stores
- 3 RP/Rs. 100 (0.6%) on online/offline spends
- 1 RP/Rs. 100 (0.2%) on utility, insurance, education, govt. payments
AU SMALL FINANCE BANK LIMITED
AU Bank Xcite Ace Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Tiered flat cashback structure:
- 1% on spends Rs. 7,50012,499
- 2% on spends Rs. 12,50019,999
AU SMALL FINANCE BANK LIMITED
AU Bank InstaPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free virtual credit card for UPI transactions
- 1% direct cashback on UPI spends at stores, groceries, pharmacies
- 1% fuel surcharge waiver (Rs. 4005,000, up to Rs. 100/cycle)
AU SMALL FINANCE BANK LIMITED
AU Spont Credit Card
Excellent
Expert Score5.0
Joining Fee
₹299
Annual Fee
₹299
- 1% cashback on all UPI spends (up to Rs. 500 per statement cycle)
- 5 coins on each UPI transaction via AU 0101 App
- 2 complimentary railway lounge visits per quarter
AU SMALL FINANCE BANK LIMITED
AU Bank Vetta Credit Card
Excellent
Expert Score5.0
Joining Fee
₹799
Annual Fee
₹799
- 4X reward points on grocery & departmental store spends
- Up to 4 visits each to Priority Pass & domestic airport lounges per year
- Revolving credit charge of 2.99%
AU SMALL FINANCE BANK LIMITED
ixigo AU Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Travel cobranded card with ixigo
- Zero forex markup on international purchases
- 10% discount on flight bookings (up to Rs. 1,000/month)
AU SMALL FINANCE BANK LIMITED
AU Bank Zenith+ Credit Card
Excellent
Expert Score5.0
Joining Fee
₹4,999
Annual Fee
₹4,999
- Premium metal card "The Crowning Symbol of Success"
- 2X reward points on travel, dining, and international transactions
- 16 complimentary international and domestic lounge access yearly
AU SMALL FINANCE BANK LIMITED
AU Altura Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Up to 2% cashback on all spends including utility bills
- Basic card with universal cashback benefits
- Revolving credit charge of 3.49%
AU SMALL FINANCE BANK LIMITED
AU Nomo Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹0
- Secured card against minimum FD of Rs. 10,000
- Slimmer design with no visible card number/CVV
- 1% cashback on all purchases
AU SMALL FINANCE BANK LIMITED
AU Altura Plus Credit Card
Excellent
Expert Score5.0
Joining Fee
₹499
Annual Fee
₹499
- 2X reward points on online shopping transactions
- Revolving credit charge of 3.49%
- Entrylevel card designed for digital shoppers
AU SMALL FINANCE BANK LIMITED
AU Bank LIT Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Customizable credit card via AU 0101 app
- Up to 10X reward points on online spends (fee applies)
- 5X reward points on online spends for Rs. 199 quarterly fee
Frequently Asked Questions
How do I choose the best credit card for AU SMALL FINANCE BANK LIMITED?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for AU SMALL FINANCE BANK LIMITED with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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