Overview
AU Small Finance Bank (AU SFB), recognised as India’s largest Small Finance Bank and the first in over a decade to receive in‑principle RBI approval to become a Universal Bank, issued a press release reaffirming its customer‑first approach to its credit‑card suite.
Credit Card Portfolio
The newly launched AU Credit Card range comprises four variants – AU Ananta Credit Card, AU Laksya Credit Card, AU Tejas Credit Card and AU Prathama Credit Card. Each card is tailored to a specific customer segment, from first‑time users and Gen‑Z professionals to digitally savvy and affluent achievers, and is positioned across premium lifestyle, everyday lifestyle, cashback and milestone‑reward categories.
Features and Benefits
All cards disclose interest rates, finance charges and fees transparently in the cardholder agreement and on the bank’s website. Interest accrues on balances carried beyond the due date and on cash advances, while full‑statement‑balance payment before the due date avoids interest on retail purchases. Benefits include rewards aligned with spending patterns, lounge access, EMI conversion on eligible transactions, bundled insurance cover (varying by variant), and curated offers. The AU Rewardz platform enables redemption of accumulated points.
Payment Options
Bill payment can be made through multiple channels: the AU 0101 mobile banking app, AU Net Banking, Bharat BillPay (BBPS), UPI, NEFT, IMPS, auto‑pay setup, AU Auro chatbot, WhatsApp Banking, IVR, and the bank’s customer‑care helpline.
Digital Servicing
Full digital servicing is provided via the AU 0101 app, supporting 24×7 video banking, chatbots, and other digital experiences.
Bank Profile and Financials
AU Small Finance Bank commenced operations in April 2017 and, as of 31 March 2026, operates 2,790 banking touchpoints across 21 states and 4 union territories, serving more than 1.2 crore customers. The bank reported shareholders’ funds of INR 19,974 crore, a deposit base of INR 1,52,661 crore, a total loan portfolio of INR 1,40,327 crore, and a balance‑sheet size exceeding INR 1.9 lac crore. AU SFB is listed on NSE and BSE; its fixed‑deposit rating is ‘AA+/Stable’ (CRISIL) and its long‑term debt rating is ‘AA/Stable’ (CRISIL, ICRA, CARE).
Disclaimers
All credit‑card products are offered subject to eligibility criteria, internal policies and the applicable cardholder agreement. Interest rates and charges are reviewed periodically. The press release is provided under an arrangement with Business Wire India; PTI assumes no editorial responsibility.