M16S / AU Small Finance Bank / AU Traverse (NRI) Credit Card
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AU Traverse (NRI) Credit Card
The AU Traverse (NRI) Credit Card costs Rs 4,999 a year, waived if you spend Rs 6,00,000 in a year. It earns 2 RP per Rs 100 on domestic spends. Accelerated earn: 4 RP per Rs 100 on international spends; 1 RP per Rs 100 on insurance, utility and telecom. The forex markup is 0.99%. Lounge visits in India: 2 complimentary domestic or international lounge visits per quarter (combined). Abroad: Via Priority Pass, within the same 2 per quarter. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 4,999+ GST
- Fee waived at
- Rs 6,00,000annual spend
- Base return
- —
- Forex markup
- 0.99%
- Interest
- —
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 feeunverified | Rs 4,999 |
|---|---|
| Annual fee | Rs 4,999 |
| Annual spend that waives the fee | Rs 6,00,000 |
| Fee notes | Rs 4,999 + taxes annual membership fee; waived on Rs 6 lakh spend in a card anniversary year. |
Rewards
| Welcome benefit | Rs 5,000 MakeMyTrip voucher on activation within 30 days |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 RP per Rs 100 on domestic spends |
| Accelerated earn | 4 RP per Rs 100 on international spends; 1 RP per Rs 100 on insurance, utility and telecom |
| Caps | Utility & telecom 100 RP per transaction |
| Spends that earn nothing | Fuel, EMI, cash, rent, education and government |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | Rs 10,000 Taj voucher on Rs 10 lakh spend in an anniversary year (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. Point value not printed on the page, so base return is not computed. |
Travel and perks
| Domestic lounge | 2 complimentary domestic or international lounge visits per quarter (combined) |
|---|---|
| International lounge | Via Priority Pass, within the same 2 per quarter |
| Lounge conditions | No spend condition stated. Priority Pass use inside India is chargeable. |
| Forex markup | 0.99% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 250 |
| Other freebies | 4 airport meet & assist a year; 4 airport spa visits a year via DreamFolks; Rs 500 duty-free cashback on Rs 10,000 spend |
Charges and eligibility
| 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 | Zero cash withdrawal fee |
| Eligibility | Non-Resident Indians aged 18-75 holding an NRE account or NRE FD with AU; apply at a branch |
| Fine-print notes | Overlimit not permitted. Cash limit up to 50% of card limit. 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 Traverse (NRI) Credit Card?
- Rs 4,999 a year, before GST. It is waived if you spend Rs 6,00,000 in a year.
- Does the AU Traverse (NRI) Credit Card give airport lounge access?
- Yes. In India: 2 complimentary domestic or international lounge visits per quarter (combined). Outside India: Via Priority Pass, within the same 2 per quarter. Conditions: No spend condition stated. Priority Pass use inside India is chargeable.
- What is the forex markup on the AU Traverse (NRI) Credit Card?
- 0.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Traverse (NRI) Credit Card?
- Fuel, EMI, cash, rent, education and government