Does the AU Fi MagniFi Credit Card give airport lounge access?

No lounge access is listed for this card.

What is the forex markup on the AU Fi MagniFi Credit Card?

3.49% of each foreign-currency transaction, before GST.

M16S / AU Small Finance Bank / AU Fi MagniFi Credit Card

entry · cobrand, lifetime-free, rewards

AU Fi MagniFi Credit Card

AU Small Finance Bank · with Fi MoneyLast checked 11 Oct 2026

The AU Fi MagniFi Credit Card charges no annual fee and no joining fee. Its base return is 0.5% (2 Fi Points per Rs 100 on weekdays). Accelerated earn: 20 Fi Points per Rs 100 on weekend spends; 20% weekend discount up to Rs 100 once a month (min order Rs 500). The forex markup is 3.49%. It lists no airport lounge access. Read from an aggregator, not the issuer on 11 Oct 2026.

Annual fee: Free
Fee waived at: —
Base return: 0.5%
Forex markup: 3.49%
Interest: 3.75%a month

Fees

Joining fee	Free
Annual fee	Free
Fee notes	Lifetime free (MITC fee table and Card Insider).

Rewards

Reward currency	Fi Points
Base earnunverified	2 Fi Points per Rs 100 on weekdays
Base returnunverified	0.5%
Point valueunverified	4 Fi Points = Rs 1
Accelerated earnunverified	20 Fi Points per Rs 100 on weekend spends; 20% weekend discount up to Rs 100 once a month (min order Rs 500)
Capsunverified	Weekday earn capped at 2,000 Fi Points per statement cycle; weekend cap not stated
Reward notes	base_return_pct = 2 points per Rs 100 at 4 points per rupee. All reward data from Card Insider (Jan 2026); the AU product page could not be opened.

Travel and perks

Domestic lounge	None
International lounge	None
Forex markup	3.49%

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Cash advance fee	2.5% of amount withdrawn, min Rs 500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	Named in AU's MITC (lifetime free, 3.49% forex) but absent from AU's public card listing page; whether new applications are open through the Fi app is not confirmed.

Questions

What is the annual fee of the AU Fi MagniFi Credit Card?: No annual fee.
Does the AU Fi MagniFi Credit Card give airport lounge access?: No lounge access is listed for this card.
What is the forex markup on the AU Fi MagniFi Credit Card?: 3.49% of each foreign-currency transaction, before GST.