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AU Small Finance Bank Credit Card

Issued by AU Small Finance Bank

AU Small Finance Bank issues a range of credit cards, including lifetime-free cards such as LIT, AU KOSMO, ixigo AU, Paytm AU and AU Zaggle, and fee-bearing cards such as Altura, Vetta, Zenith and Zenith+. Fees and benefits differ by variant.

Joining fee

Free

Annual fee

Free

Fee waiver

—

Finance charge

23.88% – 45% p.a.

As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.

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Key benefits

  • Lifetime free: LIT, InstaPay, AU KOSMO, ixigo AU, AU CA, AU CS, Paytm AU and AU Zaggle; CheQ AU is lifetime free with a ₹999 + GST one-time fee for the LED card
  • Fee-bearing variants range from ₹100 (Prathama) to ₹7,999 (Zenith)
  • Interest of 3.75% per month (45% per annum) on retail cards; 1.99% per month (23.88% annually) on Zenith+
  • Interest-free period of up to 50 days (not for cash withdrawals)
  • 1% fuel surcharge refund on transactions of ₹400 to ₹5,000 on most cards, with a cap per variant
  • Cash advance charge of 2.5% or ₹500, whichever is higher

Best for

Lifetime-free and premium cards from a small finance bank

Pros

  • Several lifetime-free variants
  • Range from entry-level to premium cards

Cons

  • Interest of 45% per annum on most retail cards if a balance is carried
  • Late payment charge of 15% of the total amount due (minimum ₹10, maximum ₹1,300)
  • Fees vary by variant; check the Key Fact Statement

Frequently asked questions

Which AU credit cards are lifetime free?

AU's Key Fact Statement lists LIT, InstaPay, AU KOSMO, ixigo AU, AU CA, AU CS, Paytm AU and AU Zaggle as lifetime free. CheQ AU is also lifetime free, with a one-time fee for the LED card.

What interest does AU charge on credit cards?

3.75% per month (45% per annum) on retail cards, 2.99% per month (35.88% per annum) on AU CA and AU CS, and 1.99% per month (23.88% annually) on Zenith+, excluding GST.

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