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AU Purchase Credit Card
AU Small Finance Bank

AU Purchase Credit Card

Checked against AU Small Finance Bank's 5 documents for this card on 03 Nov 2026
COFFER Safety Stars3.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
0 of 1
Spend fees
None1 of 1
Clarity
The bank's documents answer 9 of 10 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns points

First-year fee

₹0

Annual fee

₹0

Read from 5 AU Small Finance Bank documents, last checked 8 Nov 2026.

Apply on AU Small Finance Bank
How it compares

Compared with the cards we have read

No annual fee: one of 130 cards that state none, out of the 448 open cards whose annual fee we have read.

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Fees

  • Joining fee

    ₹0

  • Annual fee

    ₹0

  • Add-on card fee

    Not offered: add-on card

Card benefits

  • Domestic lounge access

    Complimentary Domestic Lounge Access: 8 complimentary lounge access per annum (maximum 2 per calendar quarter) within India, using your VISA Card

Also included

  • Balance transfer terms

    Not offered: balance transfer

  • Purchase to EMI conversion

    Not offered: EMI on call, merchant EMI on card.

Charges

  • Forex markup

    Currency Markup Charges Purchase Credit Card Variants Upto 3.49%

  • Cash advance fee

    2.5% of amount withdrawn, subject to a minimum of ₹500 Zero Cash Withdrawal Fees for Zenith + and Traverse (NRI)

  • Interest on unpaid balance

    Upto 3.49% monthly rate, upto 41.88% annual rate (APR)

  • Interest-free period

    Up to 48 days

  • Late payment fee

    Late Payment Charges: Upto ₹100 NIL; ₹101-₹500 ₹100; ₹501-₹5,000 ₹500; ₹5,001-₹10,000 ₹700; ₹10,001-₹20,000 ₹800; ₹20,001-₹50,000 ₹900; Above ₹50,000 ₹1,100

Eligibility

  • Eligibility

    Corporate entities, as per AU Small Finance Bank policies.

Ways to redeem your points

  • Airline miles

    “Reward points redeemable for travel bookings or convertible into air miles.” Proof

  • Partner loyalty points

    “The Cardmember hereby agrees that the Tata Neucoins earned/accrued on the Co-branded Card shall be subject to changes from time to time including de-valuation of the Tata Neucoins, change in the terms of accrual/ earning/ redemption of the Tata Neucoins, revisions in the period of lapse of the Tata Neucoins, change in the limits for redemption of the Tata Neucoins including the limits on redemption of Tata Neucoins in a single purchase and/or on the portion of the cost of a transaction that can be paid using Tata Neucoins (and requirement of the balance to funded by the Cardmember), etc..” Proof

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How we know - 5 documents from AU Small Finance Bank, checked 8 Nov 2026

5 documents from AU Small Finance Bank, checked 8 Nov 2026.

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