Credit Cards · Honest Review
AU Bank Secured Credit Card
AU Small Finance Bank · Visa
Your Verdict
- ✓FD-backed secured credit card — 100% guaranteed approval
- ✓Lifetime free — zero annual and joining fee
- ✓Build or rebuild credit history safely
- ✓2% cashback on online shopping
- ✓FD earns interest while securing your credit limit
What AU Bank Secured Credit Card costs you
AU Bank Secured Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
AU Bank Secured Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 2% |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on AU Bank Secured Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for AU Bank Secured Credit Card
AU Bank Secured Credit Card does not have a published minimum income requirement. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | Not specified |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get AU Bank Secured Credit Card
- → Heavy spenders on online shopping who want 2% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
AU Bank Secured Credit Card — Questions answered
Is AU Bank Secured Credit Card free for life?
What is the minimum income required for AU Bank Secured Credit Card?
What is the reward rate on AU Bank Secured Credit Card for online shopping?
Does AU Bank Secured Credit Card provide airport lounge access?
How long does it take to get AU Bank Secured Credit Card approved?
Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.
Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.