AU Small Finance Bank Credit Cards — Complete Guide
Last updated: 2026-03-03· By PointsWallah Editorial
AU Small Finance Bank is the most exciting new entrant in the Indian credit card market. Their LIT card introduced a genuinely innovative concept: customizable reward categories that you can change monthly. The Altura and Altura Plus offer competitive rewards in the mid-tier segment. AU's approach is fintech-style — modern app, clean UX, and features that traditional banks haven't offered. They're not going to replace your HDFC or Axis card, but they're carving out a niche as the innovative alternative.
Card Portfolio
AU's lineup is compact but clever: Entry: LIT (₹199/yr or free with spend — the customizable card). Mid: Altura (₹499/yr), Altura Plus (₹1,499/yr). The LIT card is their headline product — choose 3 categories each month for accelerated rewards (up to 5x). The Altura cards offer fixed category rewards with higher earn rates for bigger spenders.
AU LIT Credit Card
AU's entry card for the food delivery generation. 5% on Swiggy and Zomato at just 199/year. A micro-budget card for very specific spending.
AU Altura Credit Card
AU's mid-tier all-rounder. 5x on dining, 4x on online shopping and entertainment, with lounge access at just 499/year.
AU Altura Plus Credit Card
AU's premium card with aggressive category earn rates. 7x on dining, 5x on online shopping, and lounge access — all at 1,499/year.
Reward Program
AU Reward Points are worth approximately ₹0.20 at optimal redemption — among the lowest in the market. However, the LIT card's customizable categories can yield up to 5x on self-selected categories, partially offsetting the lower point value. Redemption is through the AU app — vouchers and statement credit. No airline or hotel transfer partners.
Travel & Redemption Portal
AU doesn't have a travel portal. Rewards are redeemed through the AU 0101 app. The app experience is actually quite good — modern interface, easy point tracking, and quick redemption. For AU cardholders, the strategy is simple: maximize earn through category selection (LIT card) and redeem for vouchers.
Strengths & Weaknesses
Strengths
- + LIT card's customizable categories — genuinely innovative
- + Modern app experience — best-in-class for a small finance bank
- + Competitive pricing across all tiers
- + LIT at ₹199/yr is incredibly affordable
- + Growing acceptance and partnerships
Weaknesses
- - Low reward point value (₹0.20) — needs high earn rates to compensate
- - No transfer partners — basic redemption options only
- - Small finance bank — some merchants may not recognize AU cards
- - Limited lounge access compared to HDFC/Axis equivalents
- - Card portfolio is still small — fewer specialized options
Who Is AU Small Finance Bank Best For?
AU is best for spenders who want control over their reward categories — the LIT card's monthly customization is unique in India. It's also good for budget-conscious cardholders who want a modern credit card experience at low cost. Think of AU as a complement to your main bank's card, not a replacement.
Frequently Asked Questions
What is the best AU Small Finance Bank credit card?
AU is best for spenders who want control over their reward categories — the LIT card's monthly customization is unique in India. It's also good for budget-conscious cardholders who want a modern credi...
How much are AU Small Finance Bank reward points worth?
At optimal redemption, 1 AU Small Finance Bank reward point is worth approximately ₹0.20. The value ranges from ₹0.10 to ₹0.25 depending on redemption method.
How many credit cards does AU Small Finance Bank offer?
AU Small Finance Bank offers a range of credit cards from entry-level to super-premium. We cover 3 of their most popular cards in detail on this page.