Best AU Bank Credit Cards 2024

Subscribers can select from five kinds of services known as baskets. If one is interested in traveling, then lounge benefits are available, and one only has to pay for that feature. And during the festival season one can choose the cashback offer benefits for festival shopping.

The LIT credit card offers the following benefits to select from with the charges:

Each basket of features comes with a validity period of 90 days. And at a cost of INR 49-499 per cycle. One can subscribe for a basket and pay only for that basket and not for others. One can subscribe and unsubscribe at their convenience. If the subscriber does not opt for any of the reward benefits, you get the most basic variant of the LIT card. There are no annual charges for the basic card.

• 10X or 5X reward points on all online domestic and international retail transactions.
• 10X or 5X reward points on all POS and contactless offline domestic and international transactions.
• 5X or 10X reward points on fuel, rent, insurance and cash withdrawal transactions will not be eligible for accelerated rewards.
• 1% fuel surcharge waiver on all transactions between INR 400 to INR 5,000
  5% cash back 3 times over a 90 days’ period.
• 5% cashback for retail spends in addition to 1 reward point per INR 100 spent.
• Minimum retail spends of INR 7,500 and max. cashback of INR 500 over a 30-day period.
• 2% cash back 3 times over a 90-day period.
• 2% cashback for retail spends in addition to 1 reward point per INR 100 spent.
• Minimum retail spends of INR 10,000 and max. cashback of INR 1,000 over a 30 days period.
• Additional 5% cashback for travel, dining and grocery expenses in addition to 1 reward point per INR 100 spent.
• Max. cashback of INR 1,000 in a month.
• Cashback will be adjusted against outstanding dues on the Card.
• Free airport lounges across India 4 times per quarter.
• You are eligible for 3 Months of Free Membership of:
• ZEE5 with 2,800+ blockbusters, 150+ web series, LIVE TV, Before TV, watch ad-free content on mobile, TV, Laptop, and Eduaurra competitive learning exams.
• Amazon Prime with unlimited free, fast delivery on eligible items, video streaming, ad-free music, free in-game content, exclusive access to deals and more.
• Cult pass live subscription for at-home live workouts.
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank (up to INR 1,50,000 or your credit limit, whichever is lower).
• Credit shield up to INR 1.5 lakh.

This credit card has both cashbacks and reward points on purchase. This card can be used for traveling and shopping.

• Welcome vouchers worth INR 500 on minimum INR 10,000 retail spends done within 60 days of card activation.
• 1.5% cashback on all POS retail spends done at merchant outlets to the maximum cashback per statement cycle of INR 100.
• 1 reward point per INR 100 retail spends (after maximum limit of cash back is reached) on POS.
• 2 reward points per INR 100 retail spend for online transactions.
• 500 bonus reward points when you do INR 20,000 retail spends or more in a calendar month.
• 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in cities like New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
• Add-on cardholders can also get railway lounge benefits within the mentioned number of visits.
• 1% Fuel Surcharge Waiver for fuel transactions between INR 400 and INR 5,000, across all fuel stations to the maximum of INR 150 per statement cycle.
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
• Protection against card counterfeit, skimming and online frauds.

Altura credit card is a very economical credit card with more or less all the features of a credit card. One can get a cashback of 5% by using this card.

• 5% cashback on a minimum spend of INR 2,500 retail spends done within the first 60 days of the card to the maximum cashback of INR 150 per statement cycle.
• 2% cashback on all retail spends done at grocery stores, departmental stores and utility bill payments to the maximum cashback of INR 50 per statement cycle.
• 1% cashback on all other retail spends to the maximum INR 50 per statement cycle.
• Additional cashback of INR 50 on completing a minimum of retail spends of INR 10,000 every statement cycle.
• Two complimentary lounge access per calendar quarter, using VISA card at railway stations in these cities like New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
• Add-on cardholders can also get railway lounge benefits within the mentioned number of visits.
• 1% Fuel surcharge waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations to the maximum of INR 100 per statement cycle.
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
• Protection against card counterfeit, skimming and online frauds.

Vetta is focused again on lifestyle benefits. Can be used for shopping and traveling.

• Welcome vouchers worth INR 2000 on minimum INR 30,000 retail spends done within 60 days of activating the card.
• 10 reward points per INR 100 retail spends done on utility bill payments.
  4 reward points per INR 100 retail spends done on grocery and departmental store spends.
• 2 reward points per INR 100 retail spends done across all other merchant categories.
• 500 bonus reward points on INR 50,000 retail spends per calendar quarter, and additional 1,000 bonus reward points on reaching INR 1 lakh retail spends per calendar quarter.
• Up to 1,500 bonus reward points in every calendar quarter with INR 1 lakh retail spends.
• Yearly milestone benefit of INR 1,000 worth vouchers on minimum INR 2.50 lakh retail spends.
• Birthday benefit of 1,000 bonus reward points on completing one retail transaction on the card holder’s birthday.
• 1 complimentary airport lounge access per calendar quarter, using priority passes at partner lounges.
• 1 complimentary lounge access per calendar quarter within India, using VISA card.
• 2 complimentary lounge access per calendar quarter, using VISA card at railway stations in cities like New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
• Add-on cardholders can also get airport and railway lounge benefits within the mentioned complimentary number of visits.
• Customize your travel, entertainment, and leisure experiences with our global concierge assistance.
• 1% fuel surcharge waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (maximum INR 250 per statement cycle).
• Comprehensive protection cover.
• Air accident cover of INR 50 lakh.
• Card liability cover and zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
• Credit shield of INR 2 lakh.
• Purchase protection of up to INR 25,000.
• Other travel related covers if the event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

Zenith is a premium credit card with reward points on purchase. All the features are permanent and can be used for shopping as well as traveling.

• On the first POS retail transaction vouchers worth INR 1000 are provided to the new subscribers.
• 10,000 bonus reward points on completing retail spends worth INR 1 lakh.
• 20 reward points per INR 100 retail spends done on dining at standalone restaurants.
• 10 reward points per INR 100 retail spends done on international transactions, grocery and departmental stores.
• 5 reward points per INR 100 retail spend across all other merchant categories.
• INR 1,000 vouchers on minimum INR 2 lakh retail spends done per calendar quarter.
• Complimentary epicure membership of doing minimum INR 8 lakh retail spends in a card anniversary year.
• Low cross currency foreign mark-up of 1.99% applicable on international transactions.
• 2,500 bonus reward points on completing one retail transaction on the birthday subscriber.
• 2 complimentary lounge access per calendar quarter, using priority pass at selective airport lounges in and outside India.
• 4 complimentary lounge access per calendar quarter within India, using your VISA Card.
• Railway lounges
• 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in these cities like New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad and Agra.
• Add-on cardholders can also get these Airport and Railway lounge benefits within the mentioned complimentary number of visits.
• Dedicated concierge services.
• Unlimited Fuel Surcharge Waiver.
• Air Accident Cover INR 2 crore.
• Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
• Protected against card counterfeit, skimming and online frauds.
• Credit shield up to INR 5 lakh.
• Purchase Protection up to INR 50,000
• Other Travel related covers, covering baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.