AU Small Finance Bank Credit Card In today’s fast-paced world, managing finances efficiently is crucial, especially for young professionals who strive to balance their careers and personal lives. can be a powerful tool when used wisely. Enter the AU Small Finance Bank Credit Card—a financial instrument designed to offer convenience, rewards, and a host of benefits tailored for the modern professional.
The Ultimate Financial Tool for Young Professionals AU Small Finance Bank Credit Card
The AU Small Finance Bank Credit Card is not just another piece of plastic in your wallet. It’s a gateway to a world of limitless possibilities, offering features that cater to the dynamic lifestyle of young professionals. Whether it’s making daily purchases or planning big-ticket expenses, this credit card has got you covered.
1.5% Cash Back on Offline Spends on AU Small Finance Bank Credit Card
One of the standout features of the AU Small Finance Bank Credit Card is the 1.5% cash back on offline spends. This means every time you swipe your card at a physical store, whether it’s for groceries, dining, or shopping, you are essentially saving money. Over time, these savings can add up significantly, making it easier to manage your finances.
Imagine you spend $1,000 a month on offline transactions. With a 1.5% cash back, you save $15 monthly, which translates to $180 annually. These savings can be used for other essential expenses or even a treat for yourself!
5x Rewards on Domestic Transactions
Reward points are a great way to get more value from your spending. With the AU Small Finance Bank Credit Card, you earn 5 times the reward points on domestic transactions. This feature is particularly beneficial for those who frequently make purchases within the country.
For instance, if you spend $500 on domestic travel or shopping, you earn 5 times the usual reward points. These points can be redeemed for a variety of options, including travel, dining, and merchandise, adding an extra layer of value to your spending.
100% Digital Application Process
Gone are the days when applying for a credit card was a tedious process involving endless paperwork. The AU Small Finance Bank Credit Card offers a 100% digital application process. This means you can apply for the card from the comfort of your home or office, without having to visit a bank branch.
The digital process is not only convenient but also swift. In just a few clicks, you can fill out the application, upload the required documents, and submit your request. Within a short period, you’ll receive an update on your application status, making the entire experience hassle-free.
Exciting Rewards and Cash Back Benefits on AU Small Finance Bank Credit Card
The AU Small Finance Bank Credit Card is packed with exciting rewards and cash back benefits. From everyday purchases to special occasions, the card ensures that you get the most out of every transaction.
For example, you might receive additional cash back during festive seasons or exclusive offers on partner brands. These rewards and benefits make it easier to plan your finances and maximize your spending power.
Complimentary Airport and Railway Lounge Access
Travel in style and comfort with complimentary airport and railway lounge access offered on some variations of the AU Small Finance Bank Credit Card. Whether you are a frequent flyer or occasionally travel by train, having access to lounges can make your travel experience more pleasant.
Lounges typically offer amenities such as comfortable seating, Wi-Fi, refreshments, and more. This means you can relax, catch up on work, or enjoy a snack while waiting for your flight or train, making travel less stressful and more enjoyable.
Life-Time Free Credit Card
Some variations of the AU Small Finance Bank Credit Card come with the benefit of being life-time free. This means you don’t have to worry about annual fees, making it a cost-effective choice for cardholders.
A life-time free credit card is particularly advantageous for those who want to enjoy the benefits of a credit card without the burden of annual charges. This feature ensures that you can continue using the card for years to come without any additional financial commitment.
Additional Benefits Based on Monthly Spends
The AU Small Finance Bank Credit Card offers additional benefits based on your monthly spends. The more you use your card, the more perks you unlock. These benefits can include higher reward points, exclusive offers, and more.
For instance, if you meet a certain spending threshold each month, you might qualify for extra reward points or access to premium services. This incentivizes you to use your card more frequently and reap the associated rewards.
Annual Fee Waiver
Worried about annual fees? The AU Small Finance Bank Credit Card offers an annual fee waiver based on your spending habits. If you meet the minimum spend criteria within a year, the annual fee is waived off, making the card even more economical.
This feature is particularly appealing for those who use their credit card regularly. By simply meeting the spending requirement, you can save on annual fees while enjoying all the benefits the card has to offer.
Eligibility Criteria
To apply for the AU Small Finance Bank Credit Card, certain eligibility criteria must be met:
- Age Group: 21-60 years; for self-employed individuals, the age range is 25-65 years.
- Income Requirement: Minimum annual income of 30000
- Residency: Available for residents of over 5,000+ pincodes.
- Existing Customer: Not available for existing customers of AU Small Finance Bank.
Meeting these criteria ensures that you can fully benefit from what the card has to offer and manage it responsibly.
Terms & Conditions
1. Both salaried individuals and self employed individuals are eligible for the AU Small Finance bank Credit Card.
2. Customers who are working as Daily wagers / Labours & Contractors / Lower profile blue collared job are not eligible for this card.
3. Customer’s net yearly income should be above Rs. 3,00,000.
4. Customer’s current residence and office address should be from mentioned list of 5000+ pincodes.
5. Customer should have a valid PAN and Aadhaar Card.
6. Customers should have a good credit score.
7. Customers with good track record in CIBIL are preferred
8. Based on the customer’s eligibility and selected card type, may be required to upload additional documents, like – Last three month’s Bank account statement, Income tax return statement and latest credit card statement.
9. Existing customers of AU Small Finance Bank are not eligible.
10. 10. Your customer should complete the whole application process in one attempt without clicking back button. They need to complete video KYC within 72 hours of application.
11. Your customer should activate the credit card by making their 1st transaction within 30 days. If the card is not activated or canceled by the customer, a penalty will be charged.
Conclusion
The AU Small Finance Bank Credit Card is a versatile and rewarding financial tool designed for young professionals who seek convenience, savings, and value in their everyday transactions. From cash back and reward points to travel perks and a digital application process, the card offers numerous benefits tailored to a modern lifestyle.
By choosing the AU Small Finance Bank Credit Card, you’re not just opting for a credit card; you’re investing in a financial partner that supports your aspirations and growth. Ready to take the next step? Apply today and experience the world of limitless possibilities that await you.