AU Small Finance Bank Launches Four New Credit Cards In India

AU Small Finance Bank New Credit Cards: AU Small Finance Bank has rolled out a fresh set of credit cards for people with different money habits. The bank says the cards are meant for first-time users, working people, and also people who want more travel and lifestyle perks. One big feature across these cards is airport lounge access through AU Rewardz when a flight is booked on that portal. The bank is clearly trying to make credit cards feel less like plain payment tools and more like daily life helpers.

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AU Ananta Credit Card

AU Ananta is the most premium-looking card in this group. It is made for people who spend more on travel, dining, and shopping. The card has a joining fee and annual fee of ₹2,000 plus taxes, and the annual fee can be waived if the user spends ₹3 lakh or more in the previous card anniversary year. New users get 8,000 bonus reward points when the card is activated. On shopping, dining, and travel spends, the card gives up to 5 reward points for every ₹100 spent. It also gives up to 50,000 reward points in a card-anniversary year if spending reaches ₹10 lakh.

This card also brings travel support. AU says cardholders can enjoy complimentary domestic airport lounge access and no-cost EMI on flight and hotel bookings through AU Rewardz. The bank also says users can get up to 15% instant discount at partner merchants. For small payments, the card supports contactless tap payments up to ₹5,000 without entering a PIN.

AU Laksya Credit Card

AU Laksya is aimed at mid-career users and Gen Z people who want simple digital use and steady rewards. The joining fee and annual fee are ₹1,000 plus GST each. The annual fee can be waived if spending crosses ₹2,00,000 in the previous card anniversary year. On activation, the card gives 4,000 bonus reward points or a ₹1,000 brand voucher. It also gives up to 5 reward points per ₹100 on groceries, departmental store spends, and contactless payments.

This card also comes with a few helpful extras. AU says it offers a flat 15% discount at partner merchants, Buy-One-Get-One movie tickets every month, and 8 complimentary domestic airport lounge visits. The lounge benefit applies when the user meets the required quarterly spend. The card also has zero processing fee on Xpress EMI, and it lets users convert transactions of ₹2,000 or more into EMI. Contactless payments up to ₹5,000 are also supported.

AU Tejas Credit Card

AU Tejas is a simpler card for young working people who want savings on everyday spends. The card has a joining fee and annual fee of ₹500 plus taxes. The annual fee can be waived if the user spends ₹1,50,000 or more in the previous card anniversary year. On activation, cardholders get 2,000 bonus reward points or a ₹500 brand voucher. The card gives up to 10% cashback on selected spends like movies, grocery delivery, food delivery, cab bookings, and bill payments.

AU also says Tejas gives up to 5 reward points per ₹100 spent and bonus points after 5 transactions. It has Xpress EMI support for converting spends of ₹500 and above into EMIs, as long as the total billed amount meets the bank rule. The card also gives a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, with a maximum waiver of ₹100 per statement cycle. Contactless payments up to ₹5,000 are supported here too.

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AU Prathama Credit Card

AU Prathama is the entry-level card in the set. It is meant for people who are just starting with credit cards and want a low-cost option. The joining fee and annual fee are ₹100 plus GST. The annual fee can be waived for the next year if spending reaches ₹75,000 in the previous card anniversary year. The card gives up to 2 reward points for every ₹100 spent, especially on contactless and daily use transactions. It also gives 500 bonus reward points when a recurring payment is set up successfully.

Prathama also gives extra rewards when monthly spending goes above ₹5,000. AU says users can earn 2 reward points per ₹100 on incremental spends after crossing that level. The card has tap-to-pay support up to ₹5,000 without a PIN. It also includes a 1% fuel surcharge waiver on fuel spends from ₹400 to ₹5,000, with a cap of ₹100 per statement cycle.

Table Overview