AU Small Finance BankAU Ananta Credit Card – Benefits, Fees & Eligibility
Is the AU Ananta Credit Card Right for You?
The AU Ananta Credit Card is best suited for users who prioritize Shopping, Dining, Travel. With a joining fee of ₹2,000 + GST and a renewal fee of ₹2,000 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn up to 5 Reward Points per ₹100 on Shopping, Dining, and Travel spends..
Key Card Details
₹2,000 + GST
₹2,000 + GST
Reward Points
Notable Perks
Domestic Lounge Access
Complimentary Domestic Airport Lounge Access.
Insurance Coverage
The card comes equipped with a comprehensive protection cover for safety and security.
Spend-Based Waiver
Renewal fee waived on retail spends of ₹3,00,000 in the previous card anniversary year.
Dining Benefits
Up to 5 Reward Points per ₹100 spent and up to 15% instant discount at partner merchants.
Things to Consider
High annual spend of ₹3,00,000 required for renewal fee waiver.
Monthly fuel surcharge waiver is capped at a relatively low ₹200.
Eligibility criteria are restrictive based on age and employment type.
Benefits & Features
Welcome Offer
8,000 Bonus Reward Points upon card activation.
Rewards Rate
Earn up to 5 Reward Points per ₹100 on Shopping, Dining, and Travel spends.
Reward Type
Reward Points
Reward Redemption
Redeem accumulated points for benefits and merchandise through the AU Rewardz catalog.
Domestic Lounge Access
Complimentary Domestic Airport Lounge Access.
Insurance Coverage
The card comes equipped with a comprehensive protection cover for safety and security.
Dining Benefits
Up to 5 Reward Points per ₹100 spent and up to 15% instant discount at partner merchants.
Travel Benefits
Complimentary domestic lounge access and no-cost EMI on flight and hotel bookings via AU Rewardz.
Fees & Charges
Joining Fee
₹2,000 + GST
Renewal Fee
₹2,000 + GST
Spend-Based Waiver
Renewal fee waived on retail spends of ₹3,00,000 in the previous card anniversary year.
Fuel Surcharge Waiver
1% surcharge waiver on fuel spends between ₹400–₹5,000; max ₹200 per statement cycle.
Pros & Cons
Pros
Key benefits and features of this card.
Generous welcome bonus of 8,000 Reward Points upon card activation.
High reward potential with up to 50,000 milestone points per year.
Valuable no-cost EMI options available for flight and hotel bookings.
Accelerated reward points on key categories like dining and travel.
Cons
Key drawbacks and limitations of this card.
High annual spend of ₹3,00,000 required for renewal fee waiver.
Monthly fuel surcharge waiver is capped at a relatively low ₹200.
Eligibility criteria are restrictive based on age and employment type.
Product Details
Xpress EMI facility for transactions of ₹500 and above.
Secure contactless payments up to ₹5,000 enabled at POS machines.
Lifetime-free add-on cards available for family members.
Comprehensive protection cover for enhanced security.
Curated partner offers available based on selected network variant.
Up to 15% instant discount with various partner merchants.
Benefits & Features
Welcome Offer
8,000 Bonus Reward Points upon card activation.
Rewards Rate
Earn up to 5 Reward Points per ₹100 on Shopping, Dining, and Travel spends.
Reward Type
Reward Points
Reward Redemption
Redeem accumulated points for benefits and merchandise through the AU Rewardz catalog.
Domestic Lounge Access
Complimentary Domestic Airport Lounge Access.
Insurance Coverage
The card comes equipped with a comprehensive protection cover for safety and security.
Dining Benefits
Up to 5 Reward Points per ₹100 spent and up to 15% instant discount at partner merchants.
Travel Benefits
Complimentary domestic lounge access and no-cost EMI on flight and hotel bookings via AU Rewardz.
What matters, explained clearly
Introduction
The Ananta Credit Card by AU Small Finance Bank is thoughtfully crafted to cater to individuals with an elevated lifestyle, specifically targeting frequent shoppers, diners, and travelers. Positioned as a premium offering, the card stands out by providing an attractive 15% instant discount with partner merchants, accelerated reward points on lifestyle categories, and comprehensive travel benefits including domestic lounge access and no-cost EMI on travel bookings.
Welcome Benefits
- Welcome Bonanza: Kickstart your journey with 8,000 Bonus Reward Points upon card activation.
Fees
- Annual Card Membership Fee: ₹2,000 + applicable taxes.
- Spend-Based Waiver: The annual fee is waived from the 2nd year onwards upon achieving retail spends of ₹3,00,000 in the previous card anniversary year.
- Fuel Surcharge: A 1% fuel surcharge waiver is applicable on fuel transactions, capped at ₹200 per statement cycle.
Rewards
Shopping, Dining & Travel
- Accelerated Rewards: Earn up to 5 Reward Points per ₹100 on Shopping, Dining, and Travel spends, positioning it among the best in its category.
- Always on Savings: Enjoy up to a 15% instant discount at various partner merchants.
Travel Benefits
- Lounge Access: Enjoy complimentary Domestic Airport Lounge Access.
- Travel Bookings: Avail No-Cost EMI on flight and hotel bookings made through AU Rewardz.
Milestone Benefits
- Milestone Magic: Earn up to 50,000 Reward Points within a card-anniversary year by reaching designated spend milestones.
Additional Perks
- Curated Partner Offers: Gain access to special offers based on your selected network variant.
- Fuel Surcharge Waiver: Save 1% on fuel spends between ₹400 and ₹5,000 across India (Maximum ₹200 waiver per statement cycle).
- Comprehensive Protection Cover: The card comes equipped with essential safety and security benefits.
- Xpress EMI: Manage credit card bills efficiently by converting transactions of ₹500 and above (with a minimum total combined value of ₹2,000) into EMIs.
- Contactless Payments: Make quick and secure payments up to ₹5,000 without entering a PIN by tapping your physical card or a digitally added card on your mobile phone at a POS machine.
- Add-on Cards: Share your credit card benefits with loved ones through a lifetime-free add-on card.
Rewards Redemption Guide
- AU Rewardz: You can redeem your accumulated Reward Points for a wide range of amazing benefits and merchandise through the AU Rewardz catalog.
- Travel Redemption: Use the platform to seamlessly book flights and hotels, utilizing No-Cost EMI options.
Card Eligibility Criteria
- Age Requirement (Self-Employed): Primary cardholder must be between 25 years and 65 years.
- Age Requirement (Salaried): Primary cardholder must be between 21 years and 60 years.
- Age Requirement (Add-on Cardholder): Must be over 18 years of age.
- Nationality: Must be a Resident Indian.
Card Review
- Who Should Apply: Individuals who frequently spend on dining, shopping, and travel, and who can easily comfortably meet the ₹3,00,000 annual spend threshold to secure the fee waiver and maximize milestone benefits.
- Pros: Generous welcome bonus of 8,000 points, potential to earn up to 50,000 milestone reward points, and highly beneficial No-Cost EMI options on travel bookings.
- Cons: The annual fee of ₹2,000 requires a substantial annual spend (₹3 Lakh) to waive. Additionally, the maximum fuel surcharge waiver is relatively low at ₹200 per month.
- Value: The card offers excellent value if it aligns with your primary spending habits (shopping, dining, travel) and you can fully utilize the milestone and travel privileges.
Important Product Details
- Positive Highlights: High milestone reward potential (up to 50,000 points), comprehensive protection cover, accelerated rewards on key categories, and lifetime-free add-on cards.
- Negative Highlights: Eligibility criteria are slightly restrictive based on employment type (salaried vs. self-employed), and the welcome benefit is strictly contingent upon card activation.
Other Details
- The eligibility criteria provided are indicative. AU Small Finance Bank reserves the sole right to approve or decline any application for the Credit Card based on its internal policies.