AU

AU Ananta Credit Card

Apply for AU Ananta Credit Card and earn up to 5X reward points, 15% instant discounts, lounge access, milestone rewards and premium travel benefits at AU Small Finance Bank

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Issued by

AU

AU Ananta Credit Card image
Joining Fee₹2000
Annual Fee₹2000
Income₹25000
Credit Score720

Key Highlights

Travel

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

Dining

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

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

Shopping

Get 15% instant discount up to ₹500 a month on Amazon Fashion

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

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

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹2000
Joining Fee Offset8,000 Bonus Reward Points on card activation and 1st successful transaction within 30 days of card issuance
Annual Fee₹2000
Annual Fee WaiverSpend ₹3 Lakh in retail spends in previous card anniversary year
Estimated Annual Saving₹18001

Rewards & Redemption

Reward Conversion0.25
Redemption Options
  • E-vouchers
  • Merchandise
  • Flight & Hotel bookings
Earning ExclusionsCash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation, Quasi-Cash Transactions
Spend ExclusionsEMI, Cash Withdrawal, Fuel, Rent, government, Education, BBPS, Quasi-Cash Transactions

Benefits

All 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

Welcome Benefits

  • Earn 8,000 Bonus Reward Points on card activation and completion of the 1st successful transaction within 30 days of card issuance, Reward Points are credited within 3 working days

Flight Benefits

  • 3-month No-Cost EMI on Flight & Hotel bookings made via AU Rewardz
  • Visa variant only: 2 Complimentary Domestic Flight Seats on MakeMyTrip (max value ₹350 each) and a flat 15% off on hotels via MakeMyTrip

Airport Lounge Benefits

  • 4 Complimentary Domestic Airport Lounge accesses per calendar quarter. Eligibility: minimum ₹5,000 spend on flight booking through AU Rewardz in the same quarter

Dining Benefits

  • 15% instant discount on Dining at District by Zomato. Min transaction ₹1,000; max discount ₹500/month; valid once per card per month
  • Earn 5 Reward Points per ₹100 on Dining spends

Fuel Surcharge Waiver Benefits

  • 1% Fuel Surcharge Waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations in India; capped at ₹200 per statement cycle

Insurance Benefits

  • Up to ₹50 Lakh Air Accident Cover in case of accident aboard a flight
  • Up to ₹5 Lakh Credit Shield for card outstanding in case of permanent total disability, critical illness or death
  • Up to ₹25,000 Purchase Protection — items purchased using the card are covered against damage, theft or fire for 90 days from purchase
  • Additional travel covers: baggage loss, baggage delay, flight delay, loss of passport, plane hijack

Bank Offer

  • Times Prime Complimentary Annual Membership
  • Alaya Stays: Stay 3 nights pay for 2 + 50% off on the 2nd
  • 15% instant discount on Hotel Booking on AU Rewardz 

Milestone Benefits

Minimum Spend₹250000
Within365 days
Reward Points Bonus5000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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