AU Bank Credit Cards in India 2026

2% cashback on grocery purchases || department store purchases || utility bill payments – on purchases upto ₹2500 per month
– You get ₹2 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹2500 per month, since the maximum cashback at this rate is restricted to ₹50 per month

1% cashback on all other card spends, on spends upto ₹5000 per month
– You get ₹1 (as cashback), on every ₹100 you spend
– This is valid only on purchases upto ₹5000 per month, since the maximum cashback at this rate is restricted to ₹50 per month
.- Exceptions : No cashback is given on following card spends – fuel, rent and wallet loads.

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹100 in all cases

Benefits
– Low annual fee of ₹199
– Low annual card spend requirement of ₹40,000, to get annual fee waiver from 2nd year onwards
– 2% cashback on grocery purchases, department store purchases, utility bill payments

Drawbacks
– Low monthly spend limit to earn 2% cashback on the 3 promotion categories (grocery purchases, department store purchases, utility bill payments)

1.50% cashback on offline card spends, on purchases upto ₹6,666 per month
– You get ₹1.50 (as cashback), on every ₹100 you spend in these categories
– This is valid only on purchases upto ₹6666 per month, since the maximum cashback at this rate is restricted to ₹100 per month

0.50% cashback on online card spends
– You get 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more

0.25% cashback on the following spends – utility bills, rent, insurance, education & government category spends

Milestone benefit
– You get 500 bonus reward points worth ₹125, at monthly card spend of ₹20,000
– Fuel transactions and cash withdrawal transactions are excluded from this bonus reward points spends calculation

Complimentary railway lounge access – 2 per quarter

Fuel surcharge waiver, upto ₹150 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹15,000 per month, since the waiver amount is restricted to ₹150 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹150 in all cases

Benefits
– Complimentary railway lounge access
– 1.50% cashback on offline card spends

Drawbacks
– Reward rates on card spending are comparatively low

5% benefit on dining spends || 2.50% benefit on grocery & departmental store purchases, and international spends || 1.25% benefit on all other card spends
– You earn 20 reward points worth ₹5, on every ₹100 spent on dining spends at stand-alone restaurants
– You earn 10 reward point worth ₹2.50, on every ₹100 you spend on grocery & departmental store purchases, and international spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on AU Bank’s rewards redemption platform for vouchers, products, mobile recharges and more
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Quarterly and yearly milestone benefits
– You get ₹1000 vouchers, at quarterly card spend of ₹2 lakh
– Complimentary Taj Epicure Membership, at yearly card spend of ₹8 lakh

Complimentary access to airport lounges in India – 4 times per quarter

Complimentary access to airport lounges outside India – 4 times per quarter (through Priority Pass program)

Complimentary access to railway lounges in India – 2 times per quarter

Birthday benefit of ₹625 : You earn 2500 bonus reward points (worth ₹625), on completing one card transaction on your birthday.

24/7 concierge services : You can customize your travel, entertainment, and leisure experiences with the Global Concierge Assistance. For example, booking of your travel, arranging a golf session, planning a perfect anniversary dinner, and more.

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto your card limit
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, railway lounge access, insurance benefits and more

Drawbacks
– Reward rate on card spending is comparatively low, especially on travel spends

2% benefit on travel spends, dining spends, and international spends || 1% benefit on all other card spends
– You earn 2 reward points worth ₹2, on every ₹100 spent on travel, dining, and abroad
– You earn 1 reward point worth ₹1, on every ₹100 you spend on all other card purchases
– 1 reward point = ₹1
– Note : No reward points are given on cash withdrawals, EMI transactions and fuel transactions.

Upto 1.3% additional benefit, through monthly milestone program
– You get 1000 reward points worth ₹1000, on monthly card spend of ₹75,000
– Fuel transactions, cash withdrawals and EMI transactions are not eligible for monthly milestone card spend calculation

Complimentary Taj Epicure membership – at ₹12 lakhs annual card spend

Complimentary access to airport lounges in India – 16 per year

Complimentary access to airport lounges outside India – 16 times per year (maximum 4 times per quarter)

Airport meet & assist services, 4 times per year (maximum 1 time per quarter)
– You get end-to-end VIP check-in at select airports in India

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹8000 per year
– Buy one ticket and get up to ₹500 off on the second ticket, through BookMyShow.
– This offer can be availed 16 times per year, maximum 4 times per quarter.

Complimentary golf – 8 free golf rounds/lessons per year (maximum 2 per quarter)

Low fee (forex markup fee) of 0.99% on international card transactions

Complimentary insurance benefits
– Air accident cover – upto ₹2 crore
– Card liability cover – upto ₹15 lakhs
– Credit shield – upto ₹15 lakhs
– Purchase protection – upto ₹50,000
– Other travel related covers – In event of baggage delay, delay in flight, loss of passport and plane hijack.
– Device protection plan on mobile phones, and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

Fuel surcharge waiver, upto ₹1000 per month
– You get 1% fuel surcharge waiver on fuel purchases upto ₹1 lakh per month, since the waiver amount is restricted to ₹1000 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹1000 in all cases

Benefits
– Good lifestyle benefits like airport lounge access, airport meet & assist, golf, movie tickets, insurance benefits and more
– Good annual fee related offers

Drawbacks
– Reward rate on card spending is comparatively low, especially on shopping spen

Lifetime free card – there is no annual fee on the card

Virtual only card – you will not receive a physical card

1% cashback (upto ₹100 per month) on UPI spends at departmental stores || grocery || supermarkets || dining || pharmacy
– You earn ₹1 (as cashback), on every 100 you spend on UPI transactions at departmental stores, dining, pharmacy, grocery & supermarkets.
– This benefit is valid on total purchases upto ₹10000 per month, since the maximum cashback is restricted to ₹100 per month.

Fuel surcharge waiver, upto ₹100 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000 only, and
– On fuel purchases upto ₹10,000 per month only, since the waiver amount is restricted to ₹100 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver amount would still be capped at ₹100 in all cases

Benefits
– Life time free card
– You can use your card for UPI payments

Drawbacks
– Reward rate on card spending is low

10% discount (upto ₹1000) on flight bookings on ixigo – once per month
– You get a 10% discount on ixigo flight bookings, on flight bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹1000) on hotel bookings on ixigo – once per month
– You get a 10% discount on ixigo hotel bookings, on hotel bookings upto ₹10,000 (since the maximum discount is restricted to ₹1000), once per month.
– On bookings above ₹10,000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

10% discount (upto ₹300) on bus bookings on ixigo – once per month
– You get a 10% discount on ixigo bus bookings, on bus bookings upto ₹3000 (since the maximum discount is restricted to ₹300), once per month.
– On bookings above ₹3000, your discount percentage will fall below 10%.
– You can avail this discount once per month.

2.50% benefit on train bookings on ixigo
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on train bookings on ixigo.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Waiver of Payment Gateway (PG) charges on train bookings – 2 times per month

1.25% benefit on all online card spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend on all online purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

0.62% benefit on all offline card spends
– You earn 2.50 reward points worth ₹0.62 (62 paise), on every ₹100 you spend on all offline purchases.
– 1 reward points = upto ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.
– Reward points are not given on fuel and rent transactions, insurance, jewelry, and wallet spends.

Complimentary access to international airport lounges – once per year

Complimentary access to domestic airport & railway lounges – 16 times per year

No fee (forex markup) on international transactions

Fuel surcharge waiver : You get a 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹5000, at all fuel stations across India.

Card liability cover upto ₹1.50 lakhs
– You carry zero liability for any credit card fraudulent transactions, after reporting its loss to the bank, with coverage extending up to ₹1.5 lakhs.
– You are also protected against card counterfeit/skimming and online frauds.

Benefits
– Attractive discounts on various kinds of travel bookings on ixigo
– Complimentary airport & railway lounge access

Drawbacks to consider
– You are restricted to ixigo platform, to earn these attractive travel rewards
– You may need to look at other cards to earn rewards on your other major spends like shopping etc.