AU Small Finance Bank

AU Ananta Credit Card

This is an invite only card

Apply and get ₹1000 Rewards

Top Benefits

Get 4 Complimentary Domestic Airport Lounge

accesses every calendar quarter on flight bookings (min ₹5,000) made via AU Rewardz, plus 3-month No-Cost EMI on flight & hotel bookings

Save 15% up to ₹500 a month on Dining at District

by Zomato min transaction ₹1,000, once per card per month

Best For

Shopping

Dining

Travel

Expert Review

Joining / Annual Fee

Joining Fees

₹2,360 ( ₹2000 + GST )

logo 8,000 Bonus Reward Points on card activation and 1st successful transaction within 30 days of card issuance

Annual Fees

₹2,360 ( ₹2000 + GST )

logo Spend ₹3 Lakh in retail spends in previous card anniversary year

Eligibility

Age
Criteria*

21-60 years

Salary
Criteria*

3LPA

Credit
Rating*

720+

New to credit
allowed

Yes

Existing Bank
Customer Allowed

See if you are eligible for this card

All Card Benefits

Earn 5 Reward Points per ₹100 on Shopping, Dining & Travel; 2 RP per ₹100 on other retail spends; 1 RP per ₹100 on Insurance, Utility & Telecom
15% off on Amazon Fashion, District by Zomato Dining and Hotel bookings on AU Rewardz (capped offers)
Xpress EMI, Contactless Payments up to ₹5,000, and Lifetime-Free Add-on Cards
Comprehensive insurance: ₹50L Air Accident, ₹5L Credit Shield, ₹25,000 Purchase Protection, and travel covers
4 Complimentary Domestic Airport Lounge visits per calendar quarter via AU Rewardz

Milestone Benefits

5000 reward points(Worth ~ ₹1,250)

Spend ₹2,50,000 in 365 days

10000 reward points(Worth ~ ₹2,500)

Spend ₹5,00,000 in 365 days

15000 reward points(Worth ~ ₹3,750)

Spend ₹7,50,000 in 365 days

20000 reward points(Worth ~ ₹5,000)

Spend ₹10,00,000 in 365 days

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

0.25

Redemption Options

E-vouchers
Merchandise
Flight & Hotel bookings

To check redemption catalogue

Click Here

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for Gift Card
A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
Please use Aadhaar linked mobile number to fill the application
If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via Great.Cards to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Cash

Rent

Education & Govt

EMI

Fuel

BBPS

Transportation

Quasi-Cash Transactions

For Spends Waiver

EMI

Cash Withdrawal

Fuel

Rent

government

Education

BBPS

Quasi-Cash Transactions

Bank Fee Structure

Structure	Details
Forex Markups 3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.49 ₹1,000 → ₹34.90 ₹10,000 → ₹349 ₹1,00,000 → ₹3,490	3.49%
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.75%
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.5%
Reward Redemption Fees ₹99 redemption fee per redemption	₹99
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets	1%
Rent Payment Fees No fee is levied on domestic rental transactions made using the credit card. International rental transactions attract 1% of the transaction value, subject to a minimum of ₹99 per transaction	1%
cheque Payment Fees A fee of 2% of the payment amount or ₹500	2%
Cash Payment Fees No fee is charged for credit card bill payment through Cash Deposit mode	Not Applicable