AU Bank credit card is one of the few credit cards in India that offer lucrative rewards and benefits that are worthy for individuals with different spend patterns, earnings, lifestyle and preferences. AU Bank credit card eligibility may vary for different profiles as two individuals can’t necessarily receive a similar credit card limit if their income levels and current liability differ.
The primary eligibility conditions for AU Small Finance Bank credit cards are dependent on the age of the applicant and the nationality. In order to fulfil AU Bank credit card eligibility conditions, an individual should be a resident of India and the age should’ve attained an age of at least 21 years. The maximum permissible age for an AU Bank credit card is capped at 60 years, while an add-on card holder can obtain an AU Bank credit card after reaching an age of 18 years.
AU Bank does look for certain other factors beyond age and nationality to gauge the eligibility for AU Bank credit cards. For AU credit cards apply here. Let us take a look at the main eligibility factors for AU Bank credit cards.
There are instances when residents of India, above the age of 21 years, earning more than Rs 5 lakh p.a. don’t get credit cards as qualifying the basic eligibility structure of a bank can’t ensure that you can obtain a credit card. This can happen due to multiple factors including no or damaged credit score, a history of default, irregular repayments, high liabilities, unstable source of income, etc.
AU Bank credit card application process is fully digital. You can apply for an AU Bank credit card here. You’ll be prompted to enter your mobile number for verification and check the box for agreeing to terms and conditions of the credit card application.
The annual/renewal fee of AU Bank credit cards ranges from Rs 199 to Rs 7,999 + GST. AU Small Finance Bank also offers a life-time free card, AU LIT credit card, as it has NIL joining and renewal fee.
The minimum CIBIL score to qualify for an AU Bank credit card is 750. People having a CIBIL score of below 750 may get a credit card, provided they have an undisturbed repayment history and stable source of income.