M16S / AU Small Finance Bank / AU Ananta Credit Card
mid · rewards, travel, shopping
AU Ananta Credit Card
The AU Ananta Credit Card costs Rs 2,000 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 0.5% (2 RP per Rs 100 on other retail spends). The forex markup is 3.49%. Lounge visits in India: 4 per calendar quarter, primary only. Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Rs 2,000+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 0.5%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 2,000 |
|---|---|
| Annual fee | Rs 2,000 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Rs 2,000 + GST joining fee charged on activation, no waiver. Renewal waived on Rs 3 lakh spend in the previous anniversary year. |
Rewards
| Welcome benefit | 8,000 bonus RP on activation and first transaction within 30 days |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 RP per Rs 100 on other retail spends |
| Base return | 0.5% |
| Point value | About Rs 0.25 per RP (milestone table: 5,000 RP = Rs 1,250) |
| Accelerated earn | 5 RP per Rs 100 on shopping, dining and travel; 1 RP per Rs 100 on insurance, utility and telecom. 15% instant discount once a month each on Amazon Fashion (max Rs 500, min Rs 1,000), District (max Rs 500, min Rs 1,000) and hotels via AU Rewardz (max Rs 500, min Rs 3,000, primary only). |
| Caps | 5,000 RP per statement cycle on shopping, dining and travel; utility & telecom 100 RP per transaction |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | Anniversary-year spend: 5,000 RP at Rs 2.5 lakh, 10,000 RP at Rs 5 lakh, 15,000 RP at Rs 7.5 lakh, 20,000 RP at Rs 10 lakh (50,000 RP in total; fuel and cash excluded) |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | 4 per calendar quarter, primary only |
|---|---|
| International lounge | None |
| Lounge conditions | Unlocked only by booking flight tickets of Rs 5,000 or more through AU Rewardz |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 200 per statement cycle |
| Other freebies | Air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; 3-month no-cost EMI on flights and hotels via AU Rewardz (Rs 199 + GST fee); free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2 |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Launched 2026 as part of a new line-up (Ananta, Laksya, Tejas, Prathama). Forex markup not on the product page and the card is not in the forex table read. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Ananta Credit Card?
- Rs 2,000 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the AU Ananta Credit Card give airport lounge access?
- Yes. In India: 4 per calendar quarter, primary only. Outside India: none listed. Conditions: Unlocked only by booking flight tickets of Rs 5,000 or more through AU Rewardz
- What is the forex markup on the AU Ananta Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Ananta Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash