Issuer · 5 cards · updated 2026-09-19

AU Small Finance Bank credit cards, ranked

Every AU Small Finance Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.

Best AU Small Finance Bank credit card (Sept 2026): AU Small Finance Bank LIT – score 59/100, ₹6,439 net a year for the standard profile; Altura Plus is next. 5 AU Small Finance Bank cards on CardLens: 1 lifetime free, 5 with lounge access, 1 on RuPay UPI.

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 AU Small Finance Bank cards

AU Small Finance Bank LIT credit card
AU Small Finance BankVisa

LIT

59
Net savings₹6,439/yr
Savings rate2.0%
Annual feeFree for life
Lounge✈4 dom

✓ 5% cashback on online/grocery (feature on, ₹500/mo cap, ₹199 charge) earns you about…

Details
AU Small Finance Bank Altura Plus credit card
AU Small Finance BankVisa

Altura Plus

51
Net savings₹2,160/yr
Savings rate0.7%
Annual feeWaived ₹589
Lounge✈4 dom

✓ 2% on grocery, dining, department stores earns you about ₹1,200 a year on ₹85,440 of…

Details
AU Small Finance Bank ixigo AU credit card
AU Small Finance Bank× ixigoRuPay · UPI

ixigo AU

45
Net savings₹2,022/yr
Savings rate0.5%
Annual feeWaived ₹1,179
Lounge✈4 dom

✓ 10 points/₹100 on ixigo trains, flights, buses earns you about ₹870 a year on ₹34,800 of…

Details

All 5 AU Small Finance Bank cards

AU Small Finance Bank credit cards ranked
#CardScoreNet savings / yrTypeAnnual feeLounge
1AU Small Finance Bank LIT credit cardLITAU Small Finance Bank59/100₹6,439
2.0% rate		Lifestyle · 3.5% forexFree for life4 domestic/yr
2AU Small Finance Bank Altura Plus credit cardAltura PlusAU Small Finance Bank51/100₹2,160
0.7% rate		Entry-level · 3.5% forexWaived ₹5894 domestic/yr
3AU Small Finance Bank ixigo AU credit cardixigo AUAU Small Finance Bank45/100₹2,022
0.5% rate		Travel · UPI · 0% forexWaived ₹1,1794 domestic/yr
4AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank35/100−₹565
-0.2% rate		Super-premium · 0.99% forexYou pay ₹5,899unlimited domestic + 4 international/yr
5AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank26/100−₹3,322
-1.0% rate		Super-premium · 1.99% forexYou pay ₹9,439unlimited domestic + 4 international/yr

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

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Frequently asked questions

Which AU Small Finance Bank credit card is best?

For the standard ₹32k/month profile, AU Small Finance Bank LIT scores highest (59/100, ₹6,439 recurring net savings), ahead of Altura Plus (51). Your own spend can change the order – use Find My Card.

Which AU Small Finance Bank credit card is lifetime free?

LIT is lifetime free on CardLens data.

Which AU Small Finance Bank credit card gives airport lounge access?

LIT (4 domestic); Altura Plus (4 domestic, needs ₹20,000/quarter); ixigo AU (4 domestic); Zenith+ (Unlimited domestic); Zenith (Unlimited domestic).