- Joining fee
₹4,999 + GST
- Annual fee
₹4,999 + GST
- Best suited for
Travel, International Spends
- Reward type
Reward Points
Rewards
- Rewards rate
4 RPs/₹100 Spent on International Spends, 2 RPs/₹100 Spent on Domestic Spends, and 1 RP/₹100 Spent on Insurance, Utility & Telecom Spends
- Welcome benefits
MakeMyTrip Voucher Worth ₹5,000 on Activation Within 30 Days
- Reward redemption
Redeem Reward Points at AU Rewardz Portal
Benefits
- Travel
Complimentary Meet & Assist, Complimentary Airport Spa, Duty-Free Shopping Cashback
- Domestic lounge
8 Free Visits Per Year, Limited to 2 per Quarter (Powered by DreamFolks)
- International lounge
8 Complimentary Visits Per Year, Max 2 per Quarter (Powered by Priority Pass)
Fees & charges
- Spend-based waiver
Annual Fee Waived on Spending ₹6 Lakh in a Year
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
0.99%
- Interest rates
3.75% per Month; 45% per Annum
- Fuel surcharge waiver
1%, for Transactions Worth ₹400 to ₹5,000 Up to ₹250 per Statement Cycle
- Cash advance charges
Nil
Product highlights
- Premium lifestyle and travel credit card, designed for Non-Resident Indians (NRIs).
- Best suited for international spends, frequent travel, and luxury lifestyle benefits.
- Offers low forex markup of 0.99%, complimentary domestic & international lounge access, milestone Taj voucher, airport spa, and Meet & Assist services.
Pros & cons
Pros
- Low forex markup of 0.99%
- Complimentary lounge access (domestic & international)
- No cash advance charges
Cons
- Domestic lounge access requires a quarterly spend of ₹20,000
- No golf or insurance coverage
FAQs
What is the annual fee of the AU Bank Traverse Credit Card?
The annual fee is ₹4,999 + GST, waived if you spend ₹6,00,000 in a year.
How many complimentary lounge visits are available?
You get 8 domestic (via DreamFolks) and 8 international (via Priority Pass) lounge visits per year, with a cap of 2 visits each per quarter.
How do I qualify for free domestic lounge access?
You must spend ₹20,000 in a calendar quarter. Access is enabled within 2 days of reaching this spend.
What is the forex markup fee?
The card has a low forex markup of 0.99%, making it very cost-effective for global transactions.
What are the milestone benefits?
On spending ₹10,00,000 annually, you earn a Taj Hotels voucher worth ₹10,000, which is an additional 1% reward benefit.
What is the cap on reward points?
A maximum of 25,000 Reward Points per statement cycle can be earned.