AU Secured Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: AU Small Finance Bank
Network: Visa | Tier: Entry
The AU Secured Credit Card is an Entry Visa credit card issued by AU Small Finance Bank, best suited for low credit users. It carries a joining fee of NIL, with an interest rate of 3.49% per month. Key benefits include FD backed card. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need as per bank policy to qualify. It falls under the Secured and Fuel category on CreditCardHunt.
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Why Choose the AU Secured Credit Card?
The AU Secured Credit Card is a Entry-tier Visa credit card issued by AU Small Finance Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Low credit users. With a reward rate of None and an annual fee of NIL, it ranks among the popular Secured cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
AU Secured Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
AU Secured Credit Card Rewards & Benefits
| Reward Rate | None |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Low credit users |
Key Highlights of the AU Secured Credit Card
- FD backed card
AU Secured Credit Card Eligibility Criteria
- Age: 18+ years
- CIBIL score: 650+
Minimum Income Required: As per bank policy
Advantages of the AU Secured Credit Card
- Easy approval — a genuine plus for anyone eyeing this entry card.
Drawbacks of the AU Secured Credit Card
- Basic benefits — worth weighing before you apply.
AU Secured Credit Card — Frequently Asked Questions
What is the annual fee of the AU Secured Credit Card?
The AU Secured Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the AU Secured Credit Card offer airport lounge access?
No, the AU Secured Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the AU Secured Credit Card?
The minimum income requirement is As per bank policy. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU Secured Credit Card?
The AU Secured Credit Card earns None. It is best suited for Low credit users.
Credit Cards Similar to the AU Secured Credit Card
If you are considering the AU Secured Credit Card, these secured credit cards are worth comparing before you apply:
- Axis Insta Easy Credit Card by Axis Bank — rated 4.3/5, NIL annual fee
- Instant Platinum Credit Card by ICICI Bank — rated 4.2/5, NIL annual fee
- Federal Secured Credit Card by Federal Bank — rated 4.2/5, NIL annual fee
- BOB Secured Credit Card by Bank of Baroda — rated 4.2/5, NIL annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.2/5