AU Heart to Cart 2026: Up to Rs 10,000 Off on Travel, Rs 7,500 on Electronics, Till 10 November
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 2026-10-23 • How we score
Almost every festive card offer this season ends in October. AU Small Finance Bank's Heart to Cart festival is one of the few that actually covers Diwali: the eighth edition of the campaign runs from 11 October to 10 November 2026, and Diwali falls on 8 November, right inside the window. Every figure in this article comes from the bank's official Heart to Cart announcement, verified on 22 October 2026.
One more thing makes this campaign unusual: it is open to AU credit card and debit card holders alike. Most festive offers this year are credit card only, and many are EMI only. AU has kept the door wider.
The category offers
The numbers below are the bank's published category maximums: the most a cardholder can save in that category across the campaign's offers. They are ceilings, not a flat discount on one purchase, and the bank's announcement says so in its own structure.
| Category | Save up to | Where |
|---|---|---|
| Travel | Rs 10,000 | Yatra, MakeMyTrip, ixigo, Paytm Flights, EaseMyTrip |
| Electronics | Rs 7,500 | Croma, Reliance Digital, Vijay Sales |
| Entertainment | Rs 3,000 | BookMyShow, PVR INOX, District by Zomato |
| Groceries and quick commerce | Rs 1,000 | Zepto, BigBasket, Blinkit |
| Food and dining | Rs 500 | EazyDiner, Swiggy, Zomato |
The luxury offer is the most specific one
The cleanest single offer in the announcement is in luxury retail: a flat 10% instant discount, up to Rs 2,500, at participating outlets of 35 partner brands. The bank's list includes Giorgio Armani, Emporio Armani, Armani Exchange, Bottega Veneta, Coach, Ferragamo, Hugo Boss, Jimmy Choo, Michael Kors, Tod's, Tory Burch and Tumi. Unlike the category ceilings above, this one is a defined rate on a defined purchase, which makes it the easiest offer in the campaign to plan around.
How to read "save up to" without fooling yourself
Festive headlines across the industry use the same two words, and they never mean a single discount. A travel ceiling of Rs 10,000 means the travel offers in the campaign, combined at their best, can save you up to that amount across bookings; a single flight booking will carry its own percentage, cap and minimum spend inside the bank's detailed offer document. Before a large purchase, open the specific merchant offer in the AU 0101 app or on the bank's website and read its three numbers: the rate, the cap and the minimum spend. That thirty-second habit is the difference between a planned saving and a checkout surprise.
Why the dates matter more than the rates
Diwali-week shopping is when most people actually spend: gifts in the last week of October, gold and big appliances around Dhanteras (around 6 November), and travel for the long festive break. Most banks' confirmed offer windows close before that week begins. AU's window, ending 10 November, is one of the few verified campaigns that stays open through it, alongside the longer ICICI Bank Bonanza offers that run till December. If you hold an AU card, it is worth checking its offer on any large festive purchase before defaulting to another card.
Frequently asked questions
Q: What are the dates of AU Heart to Cart 2026? A: The campaign runs from 11 October to 10 November 2026, per the bank's official announcement. Diwali, on 8 November 2026, falls inside the window.
Q: Are AU debit cards eligible, or only credit cards? A: Both. The bank's announcement covers AU credit and debit cardholders, which is wider than most festive campaigns this year.
Q: What does "save up to Rs 10,000 on travel" actually mean? A: It is the maximum total saving the campaign's travel offers can deliver across bookings, not a flat Rs 10,000 off one ticket. Each merchant offer inside it has its own rate, cap and minimum spend, listed in the bank's detailed offer document and the AU 0101 app.
Q: Which luxury brands are included in the 10% offer? A: Participating outlets of 35 partner brands, including Giorgio Armani, Emporio Armani, Armani Exchange, Bottega Veneta, Coach, Ferragamo, Hugo Boss, Jimmy Choo, Michael Kors, Tod's, Tory Burch and Tumi, with the discount capped at Rs 2,500.
Q: Where do I check the exact terms for one merchant? A: In the bank's detailed Heart to Cart offer document on au.bank.in or inside the AU 0101 app. Check the rate, cap and minimum spend for your merchant before you transact.
Source: AU Small Finance Bank official Heart to Cart 2026 announcement (au.bank.in). Verified on 22 October 2026. Offer terms can be revised by the bank and merchants; the bank's offer document at the time of your purchase is the final word.
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