AU Bank Ananta Credit Card
The AU Bank Ananta Credit Card is a premium credit card from AU Small Finance Bank, with a joining fee of ₹2,000 + GST.
It earns up to 5 pts per ₹100 (≈1.1% value) on shopping dining travel spends in the form of reward points (points).
Cardholders get 2 quarterly domestic airport lounge access, plus 8,000 bonus reward points as a welcome benefit.
- Joining Fee₹2,000
- Annual Fee₹2,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
- 5 pts per ₹100 on shopping dining travel
- Base 0.44% on other spends
- 8,000 bonus Reward Points
AUsignaturepremiumRewards and Benefits
- No-Cost EMI on travel bookings — No-Cost EMI on flight & hotel bookings.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹165/mo
You spend ₹15,000 · earns 1.1% = ₹165 uncapped
- Valued at realized redemption value
- Dining & food delivery₹88/mo
You spend ₹8,000 · earns 1.1% = ₹88 uncapped
- Valued at realized redemption value
- Travel & hotels₹110/mo
You spend ₹10,000 · earns 1.1% = ₹110 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 0.4% = ₹35/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 0.4% = ₹22/mo
₹5,042 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by AU Small Finance Bank.
- Joining / annual fee of ₹2,000 + GST, waived on annual spends of ₹3,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly).
Pros & Cons
- Annual fee waivable on ₹3,00,000 spend.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary domestic airport lounge access (2/quarterly).
- No rewards on fuel spends.
₹2,000 welcome benefit
- 8,000 bonus Reward PointsCard activationWindow: 90 days from issuance.
Accelerated rewards
- 5 pts per ₹100 on shopping dining travel5 Reward Points per ₹100 on Shopping, Dining & Travel; 2 RP per ₹100 on other spends (base).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹200 per monthly.
Other benefits
- No-Cost EMI on travel bookings. No-Cost EMI on flight & hotel bookings.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 740+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.