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Best AU Small Finance Bank Credit Cards in India 2026

Every AU Small Finance Bank credit card compared on fees, real reward rates and lounge access. We compared 23 cards — 10 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is CheQ AU Credit Card.

Top 23 AU Small Finance Bank Credit Cards Ranked

#CardAnnual FeeBase EarnStandout
1CheQ AU Credit CardCheQ AU Credit CardAU Small Finance BankFree (LTF)5.0%Lifetime free
2AU Zaggle Credit CardAU Zaggle Credit CardAU Small Finance BankFree (LTF)4.0%Lifetime free
3AU Xcite Ace Credit CardAU Xcite Ace Credit CardAU Small Finance Bank₹7493.0%₹749/yr fee
4AU Altura+ Credit CardAU Altura+ Credit CardAU Small Finance Bank₹4991.5%₹499/yr fee
5AU Tejas Credit CardAU Tejas Credit CardAU Small Finance Bank₹5001.0%₹500/yr fee
6AU Vetta Credit CardAU Vetta Credit CardAU Small Finance Bank₹2,9991.0%₹2,999/yr fee
7AU Spont Credit CardAU Spont Credit CardAU Small Finance Bank₹2991.0%₹299/yr fee
8AU Altura Credit CardAU Altura Credit CardAU Small Finance Bank₹1991.0%₹199/yr fee
9AU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank₹7,9990.8%₹7,999/yr fee
10AU NOMO Credit CardAU NOMO Credit CardAU Small Finance BankFree (LTF)0.5%Lifetime free
11Paytm AU Credit CardPaytm AU Credit CardAU Small Finance BankFree (LTF)0.5%Lifetime free
12AU LIT Credit CardAU LIT Credit CardAU Small Finance BankFree (LTF)0.3%Lifetime free
13AU Ananta Credit CardAU Ananta Credit CardAU Small Finance Bank₹2,0000.3%₹2,000/yr fee
14AU Laksya Credit CardAU Laksya Credit CardAU Small Finance Bank₹1,0000.3%₹1,000/yr fee
15AU Prathama Credit CardAU Prathama Credit CardAU Small Finance Bank₹1000.3%₹100/yr fee
16AU CA Metal Credit CardAU CA Metal Credit CardAU Small Finance BankFree (LTF)0.3%Lifetime free
17AU CS Credit CardAU CS Credit CardAU Small Finance BankFree (LTF)0.3%Lifetime free
18AU Xcite Ultra Credit CardAU Xcite Ultra Credit CardAU Small Finance Bank₹7490.3%₹749/yr fee
19AU Xcite Credit CardAU Xcite Credit CardAU Small Finance Bank₹2490.3%₹249/yr fee
20AU Kosmo Credit CardAU Kosmo Credit CardAU Small Finance BankFree (LTF)0.3%Lifetime free
21ixigo AU Credit Cardixigo AU Credit CardAU Small Finance BankFree (LTF)0.3%Lifetime free
22AU Zenith+ Credit CardAU Zenith+ Credit CardAU Small Finance Bank₹4,9990.2%₹4,999/yr fee
23AU InstaPay RuPay Credit CardAU InstaPay RuPay Credit CardAU Small Finance BankFree (LTF)—Lifetime free

Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.

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Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.