Overview

AU Small Finance Bank (AU SFB) issued a festive‑season press release on 15 September 2026 announcing a suite of travel‑related offers for its credit‑card portfolio ahead of Ganesh Chaturthi. The bank positions the promotion as a means for cardholders to save up to Rs 10,000 on flight and hotel bookings made through major Indian travel aggregators.

Offer Details

  • Platform discounts: Up to Rs 10,000 off on domestic and international flight bookings via Yatra; up to 12 % off on domestic and international bookings on MakeMyTrip; up to 12 % off and a maximum of Rs 4,500 off on flight and hotel bookings on EaseMyTrip; and up to 12 % off and a maximum of Rs 4,500 off on domestic and international flights on Paytm Flights.
  • EMI incentives: No‑cost or low‑cost EMI schemes are available on select platforms – MakeMyTrip (10 % discount up to Rs 5,000), Yatra (10 % discount plus cashback up to Rs 7,500), and ixigo AU (10 % discount up to Rs 5,000).
  • Forex card: A special multi‑currency forex‑card rate is offered, with a low foreign‑exchange fee of 0.99 % for cardholders.

Credit‑Card Specific Benefits

The promotion applies to six AU credit‑card variants:

  • AU Zenith+ (Metal Edition) – welcome reward of Rs 5,000 in vouchers/points, 2 reward points per Rs 100 spend, 16 domestic and 16 international lounge accesses annually, up to 16 BOGO movie/event tickets, Taj Epicure membership after Rs 12 lakh spend, and a 0.99 % forex fee.
  • AU Ananta – 8,000 bonus points on activation, 5 points per Rs 100 on shopping/dining/travel, up to 15 % instant discount at partner merchants, and lounge access for the cardholder and family.
  • ixigo AU – 10 % instant discount on flight, bus and hotel bookings, zero PG charges on train tickets, zero forex markup, 8 domestic airport, 8 railway and 1 international lounge accesses per year, and 5,000 bonus points after Rs 75,000 spend per quarter.
  • AU Laksya – welcome benefit of Rs 1,000 voucher or 4,000 points, 5 points per Rs 100 on grocery and contactless spend, 8 domestic lounge visits, 15 % instant discount and movie benefits.
  • AU Tejas – welcome benefit of Rs 500 voucher or 2,000 points, 10 % cashback on partner categories, and 500 bonus points on milestone spend.
  • AU Prathama – 2 points per Rs 100 on contactless spend, 500 bonus points for recurring‑payment setup, and a 1 % fuel surcharge waiver.

Market Context

The bank notes that the ten‑day Ganpati festival drives a 35 % spike in travel intent during the August‑September window, fueling demand for short‑haul domestic flights and hotel bookings across pilgrimage circuits such as the Ashtavinayak temples, Siddhivinayak and Dagdusheth. The promotion is timed to capture this seasonal surge.

Bank Profile and Financial Position

AU Small Finance Bank, a scheduled commercial bank founded in 1996 by Mr. Sanjay Agarwal, operates 2,920 banking touchpoints across 21 states and four union territories, serving over 1.2 crore customers. As of 30 June 2026, the bank reported shareholders’ funds of Rs 20,885 crore, a deposit base of Rs 1,57,727 crore, a loan portfolio of Rs 1,44,250 crore, and a total balance‑sheet size exceeding Rs 1.9 lac crore. The bank is listed on NSE and BSE, with its fixed‑deposit rating at AA+ / Stable (CRISIL) and its Tier II bonds rated AA / Stable (CRISIL, CARE, ICRA). It has received in‑principle RBI approval to convert to a universal bank.

Redemption Process

Cardholders can access the full catalogue of offers on the AU SFB offers portal (offers.au.bank.in). Redemption requires using the AU credit card at checkout; no additional codes or prior registration are needed for most offers. Terms and conditions, including minimum transaction values and eligible card tiers, apply.

Digital Banking Support

The AU 0101 mobile app enables users to track credit‑card transactions, convert purchases into EMIs, and manage bill payments, providing a seamless digital experience for the festive travel spend.

Conclusion

By coupling substantial discount thresholds, EMI flexibility, and card‑specific rewards, AU Small Finance Bank aims to deepen credit‑card usage during the high‑travel Ganpati period while showcasing its expanding product suite and preparing for a universal‑bank transition.