AU Small Finance Bank (AU SFB), India’s largest Small Finance Bank and the first in over a decade to receive in-principle approval from the Reserve Bank of India to transition into a Universal Bank, today reaffirmed its customer-first approach to its credit card range. The range covers cards built for different kinds of Indian customers’ premium lifestyle, everyday lifestyle, cashback, and milestone rewards with a common focus on three things customers most often ask about: a clear credit card interest rate and fee structure, easy credit card bill payment, and rewards that match how they spend.

AU Small Finance Bank’s credit card range continues to focus on customer-friendly features clear disclosure of charges, multiple bill payment options through the AU 0101 mobile banking app, rewards across everyday spending, and cards built for different customer needs. AU Small Finance Bank’s credit cards cater to diverse customer life-stages, from first-time credit users and GenZ professionals to digitally savvy customers and affluent achievers.

The AU Credit Card Range

The AU Credit Card range includes the AU Ananta Credit Card, AU Laksya Credit Card, AU Tejas Credit Card and AU Prathama Credit Card. Each card is built for a specific kind of customer, with rewards, lounge access, EMI conversion, insurance cover and curated offers structured around the spending pattern that the card is designed for. Customers can compare the cards and pick the one that fits them at the Credit Card section on the AU Small Finance Bank website. This newly launched portfolio has been strategically designed as a cohesive range, rather than standalone products, to reflect India’s rapidly evolving aspirations, spending behaviour and lifestyle choices across Tier-1 and Tier-2 cities.

Clear Disclosure of Credit Card Interest Rate and Charges

AU Small Finance Bank discloses the applicable credit card interest rate, finance charges and fees clearly in the cardholder agreement and on its website. Customers can review what applies to their card variant before applying. Interest charges apply on balances carried beyond the due date and on cash advances, in line with the cardholder agreement. Customers who pay the full statement balance by the due date typically avoid interest on retail purchases under the standard interest-free credit period. The most important terms and conditions (MITC) for each AU Credit Card variant are published on the bank’s website.

Easy Credit Card Bill Payment Across Multiple Channels

Customers can pay their AU Credit Card bill through whichever channel suits them best:

Why This Matters for Customers

A credit card is something a customer interacts with almost every day. AU Small Finance Bank’s focus is on keeping the everyday parts simple clear information on charges, easy bill payment, rewards that align with everyday spending, and full digital servicing through the AU 0101 mobile banking app, so the card stays useful and stress-free across the year.

Quick Highlights

To explore the AU Credit Card range, compare variants and apply for the card that fits you, visit the official AU Small Finance Bank Website.

AU Small Finance Bank

AU Small Finance Bank Limited (AU SFB) is a Scheduled Commercial Bank and has established itself as India’s largest Small Finance Bank since commencing its banking operations in April 2017. Founded in 1996 by Mr. Sanjay Agarwal, a first-generation entrepreneur, AU is entering its 10th year as a Bank, guided by a deep rooted “Dharma” of customer centric service. Over three decades, AU has built a sustainable and inclusive financial institution that empowers underserved and under reached communities through a robust retail led banking model. The Bank has received an in-principle approval from the Reserve Bank of India (RBI) to transition into a Universal Bank.

With deep customer insights across India, AUSFB provides comprehensive banking solutions spanning deposits, loans, credit cards, premium banking, remittance services, merchant solutions, insurance, and investments. As a tech led bank, AU delivers differentiated digital experiences through innovations such as 24x7 Video Banking, WhatsApp Banking, chatbots, UPI QR solutions, merchant lending, and its award-winning AU 0101 app.

AU SFB’s wide network of 2,790 banking touchpoints across 21 States and 4 Union Territories enables service to more than 1.2 crore customers, powered by a workforce of 59,200+ employees. As on 31st March 2026, Bank had shareholders’ funds of INR 19,974 cr, deposit base of INR 1,52,661 cr, total loan portfolio of INR 1,40,327 cr and a balance sheet size of INR 1.9 Lac cr+.

AU SFB is listed on NSE and BSE and its fixed deposits are rated ‘AA+/Stable’ by CRISIL Ratings. AU SFB’s long term debt rating is ‘AA/Stable’ by CRISIL Ratings, ICRA Ltd. and CARE Ratings.

All AU Small Finance Bank credit card products are offered subject to eligibility criteria, internal policies, and applicable terms and conditions. AU Credit Card features, rewards, fees, finance charges, interest rates and benefits vary by card variant and are subject to the cardholder agreement. Issuance is at the sole discretion of AU Small Finance Bank, subject to eligibility and credit assessment. Credit card interest rates and applicable charges are reviewed periodically and may be updated as per the bank’s prevailing policy. For variant-specific details, current rates, fees, MITC and bill payment channels.

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Published on June 15, 2026