- Joining fee
₹2,000 + GST
- Annual fee
₹2,000 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
Earn 5 Reward Points Per ₹100 on Shopping, Dining & Travel Spends, 2 Reward Points Per ₹100 on Other Retail Spends, and 1 Reward Point Per ₹100 on Insurance, Utility & Telecom Spends
- Welcome benefits
8,000 Reward Points on Card Activation
- Reward redemption
Redeem Reward Points Against E-Vouchers, Merchandise, and Flight or Hotel Bookings
Benefits
- Domestic lounge
Get Up to 4 Complimentary Domestic Airport Lounge Accesses Per Quarter on Booking Flight Tickets Worth ₹5,000 or More Through AU Rewardz
- Insurance
Up to ₹50 Lakh Air Accident Cover, ₹5 Lakh Credit Shield, ₹25,000 Purchase Protection, and Comprehensive Travel Insurance Benefits
Fees & charges
- Spend-based waiver
Annual Fee Waiver on Spends of ₹3 Lakh or More
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.49%
- Interest rates
3.75% Monthly (45% Per Annum)
- Fuel surcharge waiver
1% Waiver on Transactions Between ₹400 and ₹5,000 (Up to ₹200 Each Statement)
- Cash advance charges
2.5% of the Amount Withdrawn (Minimum ₹500)
Product highlights
- The welcome benefit of 8,000 Reward Points offsets the joining fee.
- Earn accelerated 5X rewards on shopping, dining, and travel spends.
- Multiple milestone rewards worth up to 50,000 bonus Reward Points annually.
- Complimentary domestic airport lounge access through AU Rewardz flight bookings.
- Comprehensive insurance coverage, including air accident, credit shield, and travel insurance.
- Annual fee waiver available on spends of ₹3 lakh in a membership year.
Pros & cons
Pros
- For those interested in AU Bank credit cards or already having a banking relationship with AU Bank, the AU Ananta Credit Card can be a good option. It offers a decent mix of rewards, lounge access, insurance coverage, and merchant discounts, making it suitable for everyday lifestyle spending.
Cons
- The reward rate on accelerated categories works out to around 1.25%, which feels a bit low for a card with an annual fee of ₹2,000. Several cashback credit cards in the market offer better returns, especially for shopping and dining spends.
FAQs
What is the joining fee for the AU Ananta Credit Card?
The card comes with a joining fee of ₹2,000 + GST and an annual fee of ₹2,000 + GST.
How can I get complimentary airport lounge access with the AU Ananta Credit Card?
Cardholders can avail up to 4 complimentary domestic lounge visits per quarter by booking flight tickets worth ₹5,000 or more through AU Rewardz.
Does the AU Ananta Credit Card offer an annual fee waiver?
Yes, the annual fee is waived if you spend ₹3 lakh or more during the card membership year.
Are fuel transactions eligible for reward points and milestone benefits?
Fuel transactions are not considered for milestone benefit calculations. Reward points may also not be applicable on certain fuel transactions as per the bank’s terms and conditions.