AU Small Finance Rewards Credit Card

What is the AU Small Finance Rewards Credit Card?

The AU Small Finance rewards credit cards allow cardholders to earn reward points on eligible spending. These cards are designed for people who regularly use credit cards for shopping, travel, dining, or online payments and prefer to collect points redeemable for vouchers or other benefits.

Credit cards in this category, including the AU Altura Plus Credit Card and the AU Vetta Credit Card, are specifically designed to earn reward points. The AU Altura Plus Credit Card emphasises everyday and online spending by providing reward points on eligible transactions, along with additional benefits like lounge access and welcome vouchers. In contrast, the AU Vetta Credit Card is tailored for higher spenders, offering a more robust rewards structure that includes bonus points and vouchers based on spending levels.

Key Benefits of the AU Small Finance Rewards Credit Card

The AU Small Finance rewards card benefits are built around earning reward points on regular spending, with different cards offering different levels of value. Instead of a one-size-fits-all structure, AU’s rewards cards focus on how and where you spend, allowing benefits to align more closely with usage patterns.

• Reward Points on Everyday and Online Spends
  The AU Altura Plus Credit Card allows cardholders to earn reward points on eligible transactions, including online purchases. This makes it suitable for people who frequently shop or make payments digitally and want consistent rewards on routine spends.
• Higher Reward Points
  For users with higher monthly expenses, the AU Vetta Credit Card offers a stronger rewards structure. Cardholders can earn up to 10 reward points per ₹100 spent, helping points accumulate faster on larger transactions.
• Bonus Reward Points and Spend-Based Benefits
  Some AU rewards cards provide additional points on special occasions or milestones. For instance, the AU Vetta Credit Card offers bonus reward points on birthdays and vouchers on meeting specific spending thresholds.
• Added Travel and Lifestyle Privileges
  In addition to reward points, cards like AU Altura Plus offer benefits such as complimentary lounge access at railway stations, adding practical value for frequent travellers.
• Flexible Redemption Options
  Reward points earned through an AU Small Finance reward points credit card can be redeemed for vouchers or other options listed under AU’s rewards programme, depending on the card variant and applicable terms.

Who Should Apply for the AU Small Finance Rewards Credit Card?

The AU Small Finance rewards credit card suits users who want their spending to return value gradually. It works well for those who prefer structured rewards instead of short-term offers:

• Cardholders who use credit cards for daily payments
• Users who prefer collecting reward points over time
• People who shop, book, and pay digitally
• Individuals with steady monthly spending patterns
• Users interested in vouchers and reward redemptions

Fees & Charges of the AU Small Finance Rewards Credit Card

Before choosing a rewards credit card, it is helpful to review the charges that may apply during regular use. AU Small Finance Bank outlines these fees clearly across its credit card variants:

Eligibility Criteria of the AU Small Finance Rewards Credit Card

AU Small Finance Bank conducts standard eligibility checks for rewards credit card applications. While specific requirements may vary by card type, the general criteria are consistent. Below is a summary of the eligibility criteria:

Documents Required for the AU Small Finance Rewards Credit Card

To apply for an AU Small Finance rewards credit card, submit documents to verify your identity, address, and income. Clear, valid documents help prevent verification delays.

How to Earn AU Small Finance Credit Card Reward Points

Reward points on AU credit cards are linked to the way you spend rather than how often you swipe. Different cards reward different types of usage, so points build faster when spending matches the card’s focus.

• Earn reward points when the card is used for eligible purchases
• Collect higher points on spends aligned with the card’s reward structure
• Accumulate more points through online and digital transactions
• Earn additional points on lifestyle-related spending, depending on the card
• Receive bonus points on special occasions or promotional periods
• Build rewards faster by reaching spend thresholds set by the bank
• See points credited after the transaction is successfully processed

Validity of AU Small Finance Credit Card Reward Points

AU Small Finance reward points earned with a credit card are valid for 24 months from the credited date. If not redeemed within this period, they will expire. To maximise your rewards, monitor your balance and plan your redemptions.

How to Redeem AU Small Finance Credit Card Reward Points

Reward points earned on AU Small Finance credit cards can be redeemed through the bank’s digital platforms. The redemption process is online and is routed through AU’s official rewards system.

Redeeming Through the AU 0101 Mobile App

• Log in to the AU 0101 mobile app using your registered details.
• Open the credit card section from the dashboard.
• Select the reward points option and choose Redeem Now.
• You will be redirected to the AU Rewardz platform.
• Browse the available reward options and select your preferred item.
• Confirm the redemption to complete the process.

Redeeming Through Online Banking or Web Portal

• Log in to your AU Small Finance Bank credit card account online.
• Navigate to the rewards or reward points section.
• Select the option to redeem points.
• Choose from the rewards catalogue available on the AU Rewardz platform.
• Confirm your selection to complete redemption.

Available Redemption Options

• E-gift vouchers from listed brands
• Products or merchandise shown in the rewards catalogue
• Other reward options made available under the AU rewards programme

How to Apply Online for the AU Small Finance Rewards Credit Card through Urban Money?

Apply for an AU Small Finance rewards credit card through Urban Money online. Check eligibility and submit your application without visiting a bank.

• Visit the com website to start the application.
• Open the Credit Cards section from the main menu.
• Select AU Small Finance Bank credit cards from the list.
• Choose a rewards-based AU credit card that fits your needs.
• Click Apply Now to proceed.
• Enter basic details, including your name, mobile number, and city.
• Submit the form to initiate the application process.
• Complete the verification steps as guided on the screen.
• An Urban Money representative may contact you for further assistance, if required.