AU Bank Lifetime Free Credit Cards

The LIT credit card by AU Bank is India’s first customizable credit card, and cardholders can choose the features and benefits they want from their card. There are so many credit cards out there, which makes it difficult to choose one for yourself. The innovative AU Bank LIT card has a plethora of features and benefits for the cardholder to choose from, that is, without any joining or annual fees. Users can log in to the AU 0101 application, choose the features they want for the next 90 days, and pay for them. You can earn up to 10x accelerated points on the features you select, along with exclusive cashback. You even get complimentary membership to premium brands, lounge access, etc.

The AU Bank Altura Plus Credit Card is the superior and more rewarding card in the Altura series. This is a lifetime free credit card with railway lounge access and excellent milestone benefits. The Altura + Credit Card offers decent cashback of 1.5% on POS transactions up to Rs. 100 each month.

AU Small Finance Bank has launched its first co-branded travel credit card with ixigo. It primarily offers customers travel benefits. Domestic and international airport lounge access, along with railway lounge access, are provided with this card. You would get an accelerated 20 Reward Points spent for train bookings with ixigo.

The AU Small Finance Bank Altura Credit Card is a simple cashback credit card that can help you save money by providing cashback on almost every purchase you make. You can earn up to 2% cashback on all your spending, which is directly credited to your account. Additionally, you can earn Rs. 50 cashback every month under the card’s milestone benefits after spending Rs. 10,000. The card also provides complimentary access to selected railway lounges in India.

AU Bank has launched the Swipe Up platform that allows AU Bank, as well as other bank credit card holders, to upgrade their card to AU Bank. Customers can upgrade to one of the three cards – AU Bank Xcite, Xcite Ace, and Xcite Ultra credit card. The Xcite credit card is the most basic out of the three and offers great benefits and privileges to the cardholder. The card has a nice reward rate of up to 15 RPs per Rs. 100 spent on select categories and 2 RPs on other retail spends. Even though it is a lifetime free card, it offers multiple privileges like complimentary railway lounge access, device protection, and more.

AU Bank and other bank cardholders can get a lifetime free Xcite Ace credit card through the Swipe Up platform, where they upgrade their previous card to this one. It is the middle variant out of the three and definitely offers more cashback, a higher credit limit, and many more privileges and benefits than your previous card. The card offers around 3% cashback, which is automatically credited to the balance statement, along with complimentary airport and railway lounge access, insurance benefits, etc. Consider upgrading your existing card to this AU Bank offering.

The AU Bank Xcite Ultra credit card is the most premium variant out of the three cards offered by AU Bank through the Swipe Up platform. The card is a premium one that is lifetime free but offers a high reward rate of 12 RPs per Rs. 100 spent along with up to 500 and 2000 bonus reward points on reaching the spend-based milestones. You get many other privileges that include complimentary lounge access, dining discounts, fuel surcharge waivers, etc. Also, you even get insurance-related benefits and concierge services.

Earn cashback while making UPI transactions with AU Bank’s InstaPay Virtual Credit Card. You can now easily make UPI transactions without physically carrying your credit card. The InstaPay Credit Card allows you to pay for your expenses directly from your smartphone. As a lifetime free credit card, it’s an excellent option for those looking to start their credit card journey or for existing cardholders who want to earn instant cashback on their UPI spends. This card is highly beneficial for UPI transactions as it offers 1% cashback on spends made at dining establishments, supermarkets, department stores, and grocery stores.