Basic Eligibility For AU Bank Credit Cards


Offers for First-Time Card Holders

  • 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.
  • The person 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.
  • 20 reward points on spending every Rs. 100 on dining at standalone restaurants.
  • 10 reward points on spending every Rs. 100 on international transactions, grocery & departmental stores.

AU Bank Credit Card Eligibility: Most Important Factors

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.
  • Credit Score: The credit score of an individual remains the first and foremost factor that helps in determining the eligibility for a respective credit card.
  • Existing Liabilities: The sum total of existing liabilities takes a huge toll in defining the eligibility for an AU Bank credit card as the bank will be reluctant to issue a credit card to an individual who is obliging huge repayments every month.
  • Present Income: Next comes the income levels as people with lower income are likely to qualify for introductory credit cards from AU Bank, while individuals falling in a higher income bracket will become eligible for premium credit cards from AU Bank.
  • Repayment History: A good repayment behaviour showcases the financial prudence of an individual, thereby making him eligible for better credit products including credit cards, personal loans and other secured credit facilities at preferential terms.

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.


How Can You Improve Your Eligibility for Premium Credit Cards?


  • Increasing your earnings can be the first step as it paves the way for fulfilling the eligibility for premium credit cards which are only made available to a select few customers who fall in the minimum income requirement criteria set by the banks.
  • Clearing off your debts or minimizing the liability can further encourage a lender to offer you a premium credit card or a standard credit card with a higher credit limit
  • You have to make sure that the credit score remains undamaged as any wrong step with regard to the repayment can put a red flag in your credit profile.
  • A credit score in the prime range, above 800 can help you qualify for better credit cards.