Credit Cards · Honest Review
AU Bank SwipeUp Credit Card
AU Small Finance Bank · Visa
Your Verdict
- ✓Lifetime free — zero joining and annual fee
- ✓4% cashback on online shopping
- ✓3% on dining and entertainment
- ✓1.5% flat cashback on all other spends
- ✓Instant digital card — powered by AU Bank app
What AU Bank SwipeUp Credit Card costs you
AU Bank SwipeUp 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 SwipeUp Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food, entertainment & ott and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.50% |
| 🛒 Online Shopping | 4% |
| 🍽️ Dining & Food | 3% |
| 🎬 Entertainment & OTT | 3% |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on AU Bank SwipeUp Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for AU Bank SwipeUp Credit Card
AU Bank SwipeUp Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| 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 SwipeUp Credit Card
- → Heavy spenders on online shopping who want 4% back
- → Heavy spenders on dining & food who want 3% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
AU Bank SwipeUp Credit Card — Questions answered
Is AU Bank SwipeUp Credit Card free for life?
What is the minimum income required for AU Bank SwipeUp Credit Card?
What is the reward rate on AU Bank SwipeUp Credit Card for online shopping?
Does AU Bank SwipeUp Credit Card provide airport lounge access?
How long does it take to get AU Bank SwipeUp Credit Card approved?
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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.