Best AU Small Finance Bank Credit Cards 2026

AU Small Finance Bank credit cards offer high rewards, lifetime-free options like LIT, Zenith, and ixigo AU credit card for travel & cashback.

Top AU Small Finance Bank Credit Cards in India 2026

Cheq AU Credit Card

4.3/5
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Cheq AU Credit Card by AU Small Finance Bank
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Accelerated CheqChips on Credit Card Bill Payments
Rewards Type Reward Points

Rewards Rate

12% rewards on Amazon, Flipkart, Zomato, BigBasket & CheQ app bill payments/travel; 5% on other online shopping, travel, food delivery & grocery; 1% base rate

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 12% rewards on Amazon, Flipkart, Zomato & BigBasket via the CheQ app
  • ✓ 5% rewards across 10,000+ brands for online shopping, travel, food delivery & grocery
  • ✓ 24 CheQ Points per ₹200 on utility bill payments via the CheQ app
  • ✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access
  • ✕ Top rates require routing spends through the CheQ app specifically
  • ✕ Base reward rate outside CheQ-linked spends is just 1%
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Ixigo AU Credit Card

4.0/5
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Ixigo AU Credit Card by AU Small Finance Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Domestic Travelers who Prefer Railway Travel over Air Travel
Rewards Type Reward Points

Rewards Rate

5 Reward Points per ₹200 spent, flat across all online and offline spends (revised from 10 points/₹200 online-only, effective 13 Apr 2026); railway-specific accelerated points removed; international transactions no longer earn points

Welcome Benefits

Ixigo money vouchers upon card issuance/activation parameters

Card Details +

Key Advantages

  • ✓ Lifetime free, with zero joining or renewal fees
  • ✓ Direct discounts on flight, hotel and bus bookings made through Ixigo
  • ✓ Flat 5 Reward Points per ₹200 across all online and offline spends (revised from a higher online-only rate, effective Apr 2026)
  • ✓ 8 domestic airport lounge visits and 8 railway lounge visits a year

Limitations

  • ✕ Reward earnings on Ixigo bookings are capped
  • ✕ Only 1 international lounge visit a year
  • ✕ No premium lifestyle or global milestone benefits
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AU Zenith+ Credit Card

3.5/5
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AU Zenith+ Credit Card by AU Small Finance Bank
Joining Fee ₹4,999 + Taxes
Annual Fee ₹4,999 + Taxes
Best Suited For International Travel & Luxury Hotel Memberships
Rewards Type Reward Points

Rewards Rate

Up to 2 Reward Points per ₹100 on dining, travel & international spends; 1 Reward Point per ₹100 across all other merchant categories; 1 Reward Point = ₹1

Welcome Benefits

1,000 Reward Points on ₹75,000 monthly spends

Card Details +

Key Advantages

  • ✓ 0.99% forex markup, among the lowest available
  • ✓ 16 complimentary international airport lounge visits/year via Priority Pass
  • ✓ Buy 1 Get 1 Free movie tickets via BookMyShow (up to 16/year)
  • ✓ Air accident cover up to ₹2 Crore
  • ✓ Complimentary golf games & lessons (8/year)

Limitations

  • ✕ ₹4,999 annual fee (waived only on ₹8 Lakh spends)
  • ✕ Minimum income requirement of ₹2.5 lakh/month, a high eligibility bar
  • ✕ Complex rewards structure with monthly spend targets
  • ✕ Only available to Resident Indians
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AU LIT Credit Card

4.0/5
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AU LIT Credit Card by AU Small Finance Bank
Joining Fee Lifetime Free
Annual Fee Lifetime Free
Best Suited For Paying Only for the Benefits You Use
Rewards Type Reward Points

Rewards Rate

1 Reward Point per ₹100 by default; paid features add 5X or 10X Reward Points on online or offline spends (max 10,000 points per statement cycle) or 5% cashback on grocery or apparel (max ₹500 per 30 days)

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Lifetime free, with no joining or annual fee
  • ✓ Switch on only the benefits you want, from accelerated rewards to category cashback, lounge visits and memberships
  • ✓ Features start at ₹49 for 90 days, so a light user can keep costs very low
  • ✓ Base Reward Points are earned on top of any cashback feature

Limitations

  • ✕ The base rate without paid features is only 1 Reward Point per ₹100
  • ✕ Features auto-renew every 90 days and can't be switched off within 90 days of turning them on
  • ✕ Feature menu and prices change from time to time, so check the AU 0101 app before choosing
  • ✕ Membership features charge a penalty if you miss their spend condition
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AU Small Finance Bank Credit Cards at a Glance

Best AU Small Finance Bank Credit Cards Comparison Table
Card Fee Rating
1. Cheq AU Credit Card ₹499 + Taxes ★ 4.3 View →
2. Ixigo AU Credit Card Free ★ 4.0 View →
3. AU Zenith+ Credit Card ₹4,999 + Taxes ★ 3.5 View →
4. AU LIT Credit Card Lifetime Free ★ 4.0 View →

Frequently Asked Questions

What are AU Small Finance Bank's lifetime free credit cards?

AU LIT and the ixigo AU Credit Card are both available at zero joining and annual fees.

What makes the AU LIT credit card different?

AU LIT is a customizable credit card: you choose which features and reward categories matter most to you rather than getting a fixed, one-size-fits-all benefit structure.

Does AU Bank's Zenith card offer a fee waiver?

Yes, the AU Zenith card's annual fee can be waived by meeting an annual retail spend threshold, with a lower spend requirement in the first year.

Do AU Bank credit cards offer airport lounge access?

Yes, cards like AU Zenith and the ixigo AU Credit Card include complimentary domestic and international airport lounge visits.

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