Mumbai, Maharashtra, India – Business Wire India
As India heads into one of its busiest spending months with Independence Day sales, Raksha Bandhan gifting, and long-weekend travel converging within weeks of each other AU Small Finance Bank (AU SFB), India's largest Small Finance Bank and the first in over a decade to receive in-principle approval to transition into a Universal Bank, highlighted how its credit card portfolio helps customers make the most of the season while staying firmly in control of their spending.

Sale Season, The Smarter Way
With e-commerce platforms running their biggest non-festive sale events of the year in the first half of August, credit card features such as instant conversion of eligible purchases into EMIs, No Cost EMI options on select bookings through AU Rewardz, and accelerated reward points on everyday categories help customers plan bigger purchases without straining monthly budgets. Cardholders on the AU Tejas Credit Card earn cashback and discounts on categories they already spend on daily food delivery, movies, groceries and utility payments and cab bookings, while the AU Laksya Credit Card offers 5 reward points per Rs. 100 on groceries, contactless payments and flat 15% discount on groceries and food deliveries, along with monthly Buy-One-Get-One movie ticket offers. Customers looking for an entry-level credit card can also benefit from the AU Prathama Credit Card, which offers rewarding everyday spends and convenient payment flexibility, helping first-time credit card users make the most of the season.

Gifting That Gives Back
This Raksha Bandhan, customers can maximize the value of their festive purchases through Amazon shopping on AU Rewardz, while also enjoying special benefits on District dining experiences by AU Ananta credit card, adding extra rewards to both gifting and celebrations.

Long Weekends, Longer Runways
With Independence Day falling on a Saturday this year and Onam following in the South, August is also a month of getaways. Complimentary domestic airport lounge access on the AU Laksya and AU Ananta Credit Cards, exclusive discounts and No Cost EMI options on travel bookings via AU Rewardz, and a built-in fuel surcharge waiver make travel spending work harder while milestone rewards of up to 50,000 additional reward points in a card-anniversary year add long-term value for frequent spenders on the AU Ananta Credit Card.

Spend, Track and Repay all on AU 0101
Underpinning the season is the AU 0101 mobile banking app, which lets customers track transactions in real time, monitor outstanding balances and credit card interest rates, convert eligible purchases into EMIs in a couple of steps, and manage credit card bill payment in one place. The Bank's message for the season is simple: spend for the moments that matter, and let the card and the app do the smart work.

About AU Small Finance Bank
AU Small Finance Bank Limited (AU SFB) is a Scheduled Commercial Bank and has established itself as India’s largest Small Finance Bank since commencing its banking operations in April 2017. Founded in 1996 by Mr. Sanjay Agarwal, a first-generation entrepreneur, AU is entering its 10th year as a Bank, guided by a deep rooted “Dharma” of customer centric service. Over three decades, AU has built a sustainable and inclusive financial institution that empowers underserved and under reached communities through a robust retail led banking model. The Bank has received an in-principle approval from the Reserve Bank of India (RBI) to transition into a Universal Bank.

With deep customer insights across India, AU provides comprehensive banking solutions spanning deposits, loans, credit cards, premium banking, remittance services, merchant solutions, insurance, and investments. As a tech led bank, AU delivers differentiated digital experiences through innovations such as 24x7 Video Banking, WhatsApp Banking, chatbots, UPI QR solutions, merchant lending, and its award-winning AU 0101 app.

AU SFB’s wide network of 2,920 banking touchpoints across 21 States and 4 Union Territories enables service to more than 1.2 crore customers, powered by a workforce of 58,400+ employees. As on 30th June 2026, Bank had shareholders’ funds of Rs. 20,885 cr, deposit base of Rs. 1,57,727 cr, total loan portfolio of Rs. 1,44,250 cr and a balance sheet size of Rs. 1.9 Lac cr+.

AU SFB is listed on NSE and BSE. Its fixed deposits are rated AA+/Stable by CRISIL Ratings, while its long-term/subordinated debt/Tier II Bonds are rated AA/Stable by CRISIL, CARE and ICRA Ratings. Its short-term rating is A1+ by CRISIL, CARE and India Ratings.

For more details, visit: www.au.bank.in | LinkedIn | Facebook |X | Instagram
Disclaimer – This article is intended for informational purposes only. Features, benefits, and offers mentioned are subject to change at the discretion of AU Small Finance Bank and are subject to eligibility and the Bank’s internal policies. Offers at partner merchants are subject to partner terms. Readers are advised to visit the official AU Small Finance Bank website or contact customer service for the most up-to-date information before applying for any credit card.

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