Everything You Need to Know Before Applying
An AU Credit Card from AU Small Finance Bank offers cashback, reward points, travel benefits, fuel surcharge waivers, lounge access, EMI conversion, and exclusive partner offers. The bank provides several credit card variants designed for different spending habits.
Eligibility Criteria
To apply for an AU Credit Card, you should generally meet the following requirements:
- Indian Resident
- Salaried: 21–60 years
- Self-employed: 25–65 years
- Stable monthly income (as per the bank’s requirements)
- Good credit/CIBIL score (typically 750+ improves approval chances)
- Valid PAN and Aadhaar
- Mobile number linked with Aadhaar
Documents Required
- PAN Card
- Aadhaar Card
- Passport-size photograph (if required)
- Address Proof
- Income Proof (Salary Slip/ITR/Bank Statement, depending on eligibility)
- Office ID or employment details (if applicable)
How to Apply Online
- Visit the official AU Credit Card application page: AU Small Finance Bank Credit Cards
- Choose the credit card that best suits your needs.
- Click Apply Now.
- Enter your mobile number and PAN.
- Verify your details using OTP.
- Fill in your personal, employment, and income information.
- Upload the required documents (if requested).
- Complete the Video KYC process.
- Submit your application.
- Track your application status until approval.
Existing AU Bank Customers
If you already have an AU Bank account:
- Open the AU 0101 App
- Go to Offers or Credit Cards
- Check for any pre-approved offer
- Complete Aadhaar verification and Video KYC
- Submit the application digitally
Application Process
- Online Application
- PAN Verification
- Aadhaar Verification
- Video KYC
- Credit Assessment
- Approval
- Card Dispatch
- Card Activation
Benefits of AU Credit Cards
- Reward Points
- Cashback Offers
- Airport Lounge Access (selected cards)
- Fuel Surcharge Waiver
- EMI Conversion
- Dining Discounts
- Shopping Offers
- Contactless Payments
- UPI support on eligible RuPay cards
- 24×7 Customer Support
Tips to Increase Approval Chances
- Maintain a CIBIL score above 750.
- Keep your PAN and Aadhaar details consistent.
- Avoid multiple credit card applications within a short period.
- Maintain stable employment or business income.
- Ensure all documents are clear and up to date.
- Complete Video KYC carefully without interruptions.
Conclusion
AU Credit Cards are suitable for customers looking for rewards, cashback, travel benefits, and premium lifestyle privileges. If you meet the eligibility criteria and complete the application process with accurate information, approval is generally straightforward, subject to the bank’s credit assessment.