Best AU Small Finance Bank Credit Cards in India (2026): Full List & How to Choose

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AU Small Finance Bank has rapidly expanded its credit-card range in 2026 with a new heritage-themed line-up (Ananta, Laksya, Tejas, Prathama) alongside the customisable LIT card and the co-branded CheQ AU. This guide lists every AU card we have reviewed and helps you choose.

All AU Small Finance Bank credit cards we’ve reviewed

Every AU Small Finance Bank card we have reviewed in depth — tap any card for the full breakdown of fees, rewards and real-world value.

How to choose your AU Small Finance Bank card

AU’s ladder is easy to navigate: Prathama is the near-free starter, Tejas is the everyday cashback pick, Laksya adds dining and entertainment perks, and Ananta is the premium travel card with a low 1.99% forex markup. The LIT card suits people who want to switch benefits on and off, and CheQ AU rewards bill payments.

Eligibility & how to apply

AU Small Finance Bank cards are open to resident salaried and self-employed applicants within the bank’s norms, with PAN + Aadhaar KYC. Existing AU customers can check pre-approved offers in the AU 0101 app; premium cards need a higher income profile.

Before you apply for a AU Small Finance Bank card

• Start with your existing relationship. If you already hold a AU Small Finance Bank savings or salary account, pre-approved offers usually come with faster approval and sometimes a fee waiver — check the bank’s app first.
• Match the card to your top two spend categories. A card that earns 5% on what you rarely buy is worth less than 1.5% on everything.
• Read the MITC for annual fee waiver conditions, reward caps, excluded categories (rent, fuel, wallets, utilities) and late-payment charges.
• Check your CIBIL score — most banks look for 750+ for mid and premium cards. See what score you need.

Getting the most from a AU Small Finance Bank card

• Redeem points through the bank’s catalogue or travel partners rather than for statement credit, which usually gives the lowest value — try the reward points value calculator.
• Track lounge-access spend conditions each quarter; most banks made lounge access spend-based in 2025–26.
• Set the card to auto-pay the full statement amount.

Recent AU Small Finance Bank changes

• AU made lounge access on its debit cards spend-based from 1 April 2026; several AU credit cards also use quarterly spend conditions for lounge visits.

See all issuer changes on our credit card updates page.

Reviewed October 2026. Card features change often — confirm current terms on the issuer’s site before applying.

Frequently asked questions

Is AU Bank safe for a credit card?

AU is a scheduled small finance bank regulated by RBI; credit cards carry the same RBI protections as those of larger banks.