AU Bank Ananta Credit Card
Updated 3 Jul 2026Source-linked
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.
AU Bank Ananta Credit Card
- Joining Fee₹2,000
- Annual Fee₹2,000
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 5 pts per ₹100 on shopping dining travel
- Base 0.44% on other spends
Welcome Benefits
- 8,000 bonus Reward Points
AUsignaturepremiumRewards and Benefits
Rewards Rate
5 pts per ₹100 on shopping dining travel
Base 0.44% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
8,000 bonus Reward Points
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- No-Cost EMI on travel bookings — No-Cost EMI on flight & hotel bookings.
Fees & Charges
Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
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
Pros
- 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).
Cons
- 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
Domestic
2 visit(s) / quarterly. Via visa.
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.