AU Small Finance Bank offers a range of credit cards tailored to meet diverse customer needs. Whether you’re looking for low annual fees, premium features, or specific benefits like fuel surcharge waivers or cashback, this guide provides a comprehensive overview of the fees, charges, and key terms associated with each credit card variant. This information is current as of August 2024.
The following table outlines the joining and annual membership fees for various AU Small Finance Bank credit cards:
Credit Card Variant Joining/Annual Membership Fees (per annum, Excluding GST) Altura+ ₹ 499 Altura ₹ 199 Vetta ₹ 2,999 Zenith ₹ 7,999 Zenith+ ₹ 4,999 LIT, InstaPay, ABC FLEX, ABC NXT & SwipeUp - Xcite Series of Cards Lifetime Free AU SPONT ₹ 299 NOMO Lifetime Free (up to 3 per Credit Card account) ABC Pro, ixigo AU ₹ 49 per month Business Cashback ₹ 199 – One Time Joining Fee ABC Biz ₹ 999
Cash advance charges are levied as follows:
The fuel surcharge waiver is applicable as per the following conditions:
Card Variant Waiver Conditions Maximum Waiver Altura Transactions between ₹ 400 to ₹ 5,000 ₹ 100 per statement month Altura Plus Transactions between ₹ 400 to ₹ 5,000 ₹ 150 per statement month Vetta, ixigo AU Transactions between ₹ 400 to ₹ 5,000 ₹ 250 per statement month SwipeUp - Xcite Series of Cards Transactions between ₹ 400 to ₹ 5,000 ₹ 200 per statement month Business Cashback Transactions between ₹ 400 to ₹ 5,000 ₹ 200 per statement month AU SPONT Transactions between ₹ 400 to ₹ 5,000 ₹ 100 per statement month NOMO Transactions between ₹ 400 to ₹ 5,000 ₹ 100 per statement month Zenith, Zenith+, ABC Flex, ABC Nxt, ABC Pro, AB Biz cards 1% fuel surcharge refunded for all transactions (maximum of ₹ 1,000/- in a statement cycle) NA LIT Credit Card Fuel surcharge waiver not applicable NA
Note: The fuel transaction surcharge is levied by the acquirer (merchant's bank providing terminal/payment gateway).
An interest-free period of up to 48 days is available, except for cash withdrawals.
The interest charges vary depending on the credit card variant:
Credit Card Variant Interest Charges (Excluding GST) All AU Retail Credit Cards Except Zenith+ 3.75% per month (45% per annum) Zenith+ 1.99% per month (23.88% annually) All AU Retail Credit Cards Except Zenith+ & ABC Biz 3.59% per month (43.08% per annum) ABC Biz 3.69% per month (44.28% annually)
Late payment charges are based on the total amount due as follows:
Total Amount Due/Statement Balance Late Payment Charges Less than or equal to ₹ 100 NIL Above ₹ 100 and up to ₹ 500 ₹ 100 Above ₹ 500 and up to ₹ 5,000 ₹ 600 Above ₹ 5,000 and up to ₹ 10,000 ₹ 700 Above ₹ 10,000 and up to ₹ 20,000 ₹ 800 Above ₹ 20,000 and up to ₹ 50,000 ₹ 1,100 Above ₹ 50,000 ₹ 1,300
Overlimit charges are set at 2.5% of the overlimit amount, subject to a minimum of ₹ 500.
The minimum amount due is 5% of the total amount due, including full EMIs and previous month's outstanding or a minimum of ₹ 100, whichever is higher.
Cash advance limits vary by card variant:
Credit Card Variant Cash Advance Limit Altura, Altura Plus, AU SPONT & SwipeUp - Xcite Series of Cards Up to 40% of the card limit Vetta, Business Cashback, ABC Pro, ABC Biz 30% of the card limit NOMO 70% of the card limit Zenith, Zenith+, LIT, ixigo AU, ABC Flex, ABC Nxt 20% of the card limit
Foreign currency transactions and dynamic/static conversion transactions are subject to the following markup charges:
Credit Card Variant Currency Markup Charge Altura, Altura Plus, LIT, Business Cashback, AU SPONT & SwipeUp - Xcite Series of Cards 3.49% Vetta 2.99% ABC Pro and Zenith 1.99% ixigo AU, ABC Flex, ABC Nxt, ABC Biz 3.5% Zenith+, NOMO 0.99%
Fair usage charges are applicable on rent, utility, fuel, and education transactions:
Category Condition Fair Usage Charges Fuel Spends (MCC: 5172, 5541, 5542, 5552, 5983) If aggregate fuel spends within a calendar month exceed 50% of credit limit or ₹ 50,000, whichever is lower 1% of aggregate fuel spends exceeding the condition Utility Spends (MCC: 4900) If aggregate utility spends within a calendar month exceed ₹ 50,000 1% of aggregate utility spends exceeding the condition Education & Govt Spends (MCC: 8211,8220, 8241, 8244,8249, 8299.) Education transactions through third-party applications or international education transactions 1% of transaction value, subject to a minimum of ₹ 99 per transaction Rental Spends (MCC: 6513) Domestic and international rental transactions 1% of transaction value, subject to a minimum of ₹ 99 per transaction
For any grievances, customers can contact the following:
If your grievance is not resolved within seven days, you may escalate it to the Regional Nodal Officer(s) and thereafter to the Principal Nodal Officer after a further seven days.
For more details, please refer to the Most Important Terms & Conditions (MITC) and Card Member Agreement on the AU Small Finance Bank website.
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