Best AU Small Finance Cashback Credit Card 2026

What is the AU Small Finance Bank Cashback Credit Card?

The AU Small Finance Cashback Credit Card offers cash back on everyday spending. It operates on a straightforward cashback model, where a percentage of your spend is credited to your account each month. The idea is to help you save a bit on bills, groceries, online shopping, fuel, and other daily expenses.

AU Small Finance Bank offers this card for people who want benefits without a high annual fee or complicated reward systems. It is built for practical use, and the cashback is applied automatically to your statement, so you don’t have to redeem points or track vouchers.

Key Highlights of AU Small Finance Bank Cashback Credit Card

Below is a table that captures the main highlights based on the current AU LIT and AU Altura cashback structures:

Key Features of AU Small Finance Bank Cashback Credit Card

The AU Small Finance Cashback Credit Card range mainly includes the AU LIT and AU Altura cards. Both are built around simple cashback benefits on everyday spending. Key features include:

• Cashback on small-ticket spends: Earn higher cashback on low-value transactions, such as ₹199 or ₹299, which typically make up a large share of monthly card usage.
• Extra cashback on selected categories: Depending on the card variant, you can get boosted cashback on routine spends such as bills, retail purchases, and online shopping, above the base rate.
• Base cashback on all eligible spends: Most everyday transactions earn standard cashback, so you keep saving even when there is no special offer running.
• Zero or low joining and annual fees: AU LIT offers ₹0 joining and annual fees, while AU Altura has a modest fee of about ₹199 + taxes, making it easier to maintain.
• Enhanced rewards on domestic and international usage: Selected transactions can earn higher reward multipliers on both domestic and international spend, benefiting frequent travellers.
• Complimentary lounge access on select variants: The Altura variant offers complimentary access to selected railway lounges, providing a comfort benefit for regular travellers.

How Does Cashback Work on the AU Small Finance Bank Cashback Credit Card?

Cashback on the AU Small Finance Cashback Credit Card depends on which variant you choose on Urban Money, mainly AU LIT or AU Altura. Both follow a simple earnings pattern: cashback is calculated on eligible transactions and later reflected as an adjustment on the monthly statement.

You earn a higher percentage on smaller, everyday spends and a lower rate on bigger bills or general purchases. Cashback is added only to eligible transactions; reversals and wallet loads typically do not count. Once the billing cycle closes, the total cashback earned is clearly shown on the statement, and it is automatically deducted from the amount you need to pay for that month.

Fees & Charges for AU Small Finance Bank Cashback Credit

Here is a transparent fee structure of AU LIT and AU Altura cards:

Things to Know Before You Apply for the AU Small Finance Bank Cashback Credit Card

It helps to understand a few points before you apply. The AU Small Finance Cashback Credit Card works best when you use it often for routine expenses. The cashback structure favours smaller, more frequent purchases, so people who pay bills, buy groceries, or shop online regularly will see greater value. Cashback is added only to eligible transactions; specific spends, such as wallet loads, EMI conversions, and reversals, do not earn cashback.

The card variants on Urban Money have different fee structures, so check whether you prefer a zero-fee option or a low-fee card with extra features. You should also monitor the billing cycle, as cashback is reflected only after the cycle closes. Regular repayments are essential because the bank charges interest on unpaid balances.

Eligibility Criteria

You should check a few basic conditions before applying for the AU Small Finance Cashback Credit Card:

Residency

• The applicant should be a resident of India.Age

• The primary cardholder should fall within the age band specified by AU Small Finance Bank for its credit cards (typically adults with stable income).

Income

• A minimum monthly or annual income is required and may vary by card variant (e.g., LIT or Altura).
• Both salaried and self-employed profiles are usually considered, subject to bank policy.

Credit profile

• A healthy credit history and stable repayment track record improve approval chances.
• The bank may check your existing loans and credit card usage.

Documentation

• PAN card
• Identity proof
• Address proof
• Income proof, such as salary slips, ITR, or bank statements, as requested by the bank.

How to Apply Through Urban Money

Follow these steps to apply for the AU Small Finance Cashback Credit Card through Urban Money:

1. Go to the official Urban Money website in your browser.
2. On the home page, go to the Credit Cards section.
3. From the list of banks, select AU Small Finance Bank.
4. You will see the AU credit cards listed. Click on the AU card that matches the cashback category.
5. Scroll down the page and look for the Category section. Choose the relevant Cashback Credit Card option.
6. Click on the Apply Now button next to the card you want.
7. A form will open on the screen. Fill in your basic details such as name, mobile number, email ID, PAN, city and any other fields shown.
8. Submit the form to share your details with Urban Money for the next steps in processing your application.

How to View Cashback Earned in a Month for the AU Small Finance Bank Cashback Credit Card?

You can check your monthly cashback in a few simple ways. The bank updates the cashback details after your billing cycle closes so that you can see the exact amount earned for that period. Log in to the AU Small Finance Bank credit card portal or mobile app using your registered details. Once you are in the dashboard, locate the credit card section and open your card summary. You will find a separate line showing the cashback earned for that month.

Another way is to check your monthly statement. The statement clearly lists the total cashback credited for the cycle and the transactions on which it was applied. You can also call customer support if you want someone to walk you through the details.

Why the AU Cashback Credit Card Is Worth Considering

The AU Small Finance Cashback Credit Card is well-suited for people who want steady savings on day-to-day spending without tracking points or vouchers. The cashback structure suits regular card users who make many small payments across the month, and the low fees make it easier to maintain. Urban Money offers two variants: a zero-fee card and a card with a few extra benefits. The monthly cashback appears on the statement, so the value is straightforward to follow. This makes the card a practical pick for anyone who wants simple rewards on routine spending.