28 cards currently open to new applicants, sourced directly from AU Small Finance Bank's own published pages.
AU Small Finance Bank
AU Bank's top tier — the only card exempted from the portfolio's usual spend-gated lounge access, at the lowest APR (23.88% p.a.) and forex markup (0.99%), but earning no confirmed rate outside dining/travel/international spend.
AU Small Finance Bank
The highest annual fee in AU Bank's portfolio (₹7,999), yet it sits in the standard 45% p.a. APR tier — only its forex markup is discounted. Rewards are marketed only as "up to 5x" with no published base rate.
AU Small Finance Bank
A flat "up to 4 points per ₹100" rewards card with no category breakdown published, sitting in its own distinct 2.99% forex tier and a 30% cash-advance limit — the highest cash-advance allowance anywhere in this portfolio.
AU Small Finance Bank
Earns a confirmed 5 points per ₹100 on shopping/dining/travel (capped at 5,000 points/cycle) with an 8,000-point welcome bonus — but its own FAQ confirms no joining-fee waiver exists at all, and it sits in the portfolio's highest 3.49% forex tier despite an otherwise-premium positioning.
AU Small Finance Bank
A low-fee entry card stacking up to 5 AU Rewardz points per ₹100 with a separate 10% cashback layer on five named merchants (Amazon Fresh, Zomato, District, Uber/Ola/Rapido, AU 0101), each capped at ₹50/month.
AU Small Finance Bank
AU Bank's cheapest card at ₹100/year, whose own FAQ confirms it has no welcome benefit at all — earns 2 points per ₹100 only on spend past a ₹5,000-per-cycle threshold, itself capped at 1,000 points/cycle.
AU Small Finance Bank
A genuine cashback card (2% groceries/departmental/utility, 1% other retail) rather than AU Rewardz points — its "8 lounge visits/year" benefit is railway lounge access, not airport, and its cash-advance limit (40%) is double the entry-tier cards'.
AU Small Finance Bank
The card's own page states two genuinely unreconciled reward structures for offline spend at once — a 1.5% cashback line and a separate 1-point-per-₹100 line — both kept as-is rather than one being silently discarded; online spend earns 2 points per ₹100.
AU Small Finance Bank
A dual-issuance Visa+RuPay pair earning genuine issuer-stated CheQ Points percentages up to 12% on partnered brands (Amazon, Flipkart, Zomato, BigBasket, Apple, CheQ Travel) — no redemption fee, but no lounge access at any tier.
AU Small Finance Bank
The only AU Bank card in this dataset with an explicitly stated Reward Point value — ₹1/point on Paytm Gold, ₹0.50/point elsewhere — earning up to 2% on UPI Scan & Pay and 5% on Paytm Travel/Gold.
AU Small Finance Bank
The only AU Bank card at a 0% forex/DCC markup, exempted from the portfolio's Transportation fair-usage fee, and gated by an explicit "registered on ixigo Platforms" requirement — yet it still sits in the standard 45% p.a. APR tier.
AU Small Finance Bank
Marketed toward Company Secretaries with a 25% ICSI membership-fee cashback, but the issuer's own formal eligibility criteria carry no ICSI-membership restriction at all — earning 8 points per ₹100 in the discounted 1.99%-forex / 35.88%-APR tier.
AU Small Finance Bank
A physically metal card marketed toward Chartered Accountants with a 25% ICAI membership-fee cashback, but — like its AU CS sibling — the issuer's own formal eligibility criteria carry no CA-membership restriction at all.
AU Small Finance Bank
"India's 1st Customisable Credit Card" — every benefit (lounge access, accelerated points, category cashback, fuel waiver) is a separate paid 90-day add-on purchased in-app, not a standard included feature, so nothing here is modelled as a structured earn rule.
AU Small Finance Bank
A RuPay UPI card earning genuine 1% cashback (capped ₹500/cycle) plus a separate, unpriced "coins" currency on every UPI transaction — the only AU Bank card confirmed to have no annual-fee waiver of any kind, at any spend level.
AU Small Finance Bank
A Fixed-Deposit-secured card (min ₹20,000 FD, 2-year auto-renewing tenure, sole-ownership only) — the one AU Bank card with an explicitly stated Reward Point value of ₹0.25/point, and the highest cash-advance limit (70%) anywhere in the portfolio.
AU Small Finance Bank
An NRI-only card requiring both an existing NRE savings account AND an NRE Fixed Deposit with AU Bank, applied for at a branch rather than online — one of only two AU Bank cards with genuine international airport lounge access, and shares Zenith+'s zero cash-withdrawal fee.
AU Small Finance Bank
The entry tier of AU Bank's 3-card SwipeUp/Xcite family — 15 points per ₹100 on dining/movies/grocery, but railway lounge access only, no airport lounge at all.
AU Small Finance Bank
The one card in the Xcite family paying genuine milestone-tiered cashback (1%/2%/3% at ₹7,500/₹12,500/₹20,000 monthly spend) rather than category points, capped at ₹600/statement cycle, with spend-gated airport lounge access.
AU Small Finance Bank
The top Xcite tier — returns to category-based Reward Points at up to 12 per ₹100 on international spend, with spend-gated airport lounge access and a genuine within-page discrepancy on its Air Accident cover figure.
AU Small Finance Bank
A virtual-only, invite-only card offered exclusively to existing AU Bank credit cardholders — explicitly stated as "currently applicable for the select base only" — sharing its credit limit with the cardholder's primary card but billed separately.
AU Small Finance Bank
A UPI-first co-brand with fintech partner Kiwi (application and redemption both via the Kiwi App) — genuinely distinct from AU Zaggle's separate zagg.money partnership — earning "Kiwi rewards" with no published rate at all.
AU Small Finance Bank
Issued as two genuinely different network variants (RuPay or Visa, cardholder picks one) — the second AU Bank card besides NOMO with an explicitly confirmed Reward Point value, at ₹0.25/point, earning up to 8% on tiered UPI/contactless spend.
AU Small Finance Bank
Earns 5 points per ₹100 on grocery/departmental/contactless spend (capped 1,000 points/cycle, except contactless which is uncapped), with spend-gated domestic airport lounge access and 15% merchant discounts at Amazon Fresh, Zomato, and District.
AU Small Finance Bank
One of AU Bank's Aditya Birla co-brand pair (with ABC Flex) — marketed identically on a shared page, earning up to 6 points per ₹200 on utilities/grocery/education, with a quarterly milestone that DOUBLES every earn rate above ₹50,000 spend.
AU Small Finance Bank
The other half of AU Bank's Aditya Birla co-brand pair (with ABC Nxt) — identical terms on the same shared page, distinguished only by a separate login portal and co-brand name.
AU Small Finance Bank
The higher Aditya Birla co-brand tier — 10 points per ₹200 on travel/dining/international spend, a discounted 1.99% forex markup, and genuinely two-part lounge access: spend-gated domestic airport visits PLUS a separate annual Priority Pass visit.
AU Small Finance Bank
Charges a recurring MONTHLY ₹49+GST fee (waivable each statement cycle on ₹10,000 spend) rather than an annual fee — earns 10 points per ₹200 on grocery/utilities/education/insurance, with no welcome benefit, no milestone, and no Ola cashback, unlike its three ABC siblings.
