AU Ananta Premium Lifestyle Credit Card: Elevated Rewards for Discerning Spenders

A premium credit card should do more than offer a higher credit limit. The value lies in what it gives back — accelerated earnings on the categories you spend most on, travel privileges worth using, milestone rewards that grow with your loyalty, and every rupee working harder than it would on a standard card.

The AU Ananta premium lifestyle credit card is built on that foundation. Designed for individuals with significant monthly spends across travel, dining, and shopping, it brings together strong reward rates and lifestyle benefits that genuinely hold up within its segment.

What Should a Premium Credit Card Deliver?

A premium card earns its place by delivering benefits that outweigh the cost of holding it. Here are the benchmarks — and how the AU Ananta Credit Card measures up:

• Higher reward rates on the categories where lifestyle spending concentrates — dining, travel, and shopping
• A strong welcome bonus that delivers immediate value on activation
• Annual milestone rewards that increase the card's value the more you use it
• Exclusive lounge privileges for you and your family — with higher-tier travel privileges for premium variants
• Zero-interest EMI on flights and hotel bookings — no extra cost to split the payment
• Cardholder protection cover against fraud and card-related risks
• Curated partner privileges relevant to an elevated lifestyle

The AU Ananta Credit Card addresses each of these benchmarks — making it a well-rounded premium option for the active Indian lifestyle spender.

Who Is This Card Designed For?

• Salaried professionals within eligible age criteria with high monthly spends on shopping, dining, and travel
• Self-employed individuals within defined age criteria seeking a premium card with strong rewards and lifestyle privileges
• Regular domestic flyers who want lounge access before their flights
• High spenders who want to unlock significant milestone bonus rewards annually
• Families who want add-on cards for members — lifetime-free, with the same card benefits

Key Features and Benefits

Generous Welcome Bonus

On card activation, you receive a substantial bonus reward points benefit — one of the stronger welcome offerings in its segment. Your rewards balance starts building from day one, well before your first regular transaction.

Accelerated Rewards on Shopping, Dining, and Travel

These three categories earn at the card’s highest reward rate. For cardholders who spend consistently on restaurants, travel bookings, and retail shopping, the earning rate compares well against other premium cards in the segment — and builds meaningfully with regular use.

Annual Milestone Rewards Programme

When annual spend crosses defined thresholds, bonus reward points are unlocked on top of regular earnings — with multiple tiers, so the rewards scale upward as spend grows. For cardholders with substantial annual card spends, the milestone bonus represents meaningful standalone value.

Complimentary Airport Lounge Access

Airport lounge access is available for cardholders, with exclusive privileges where you can enjoy lounge visits along with your family members. Relax in premium lounges across India before your flights — a benefit that adds genuine quality-of-life value for anyone who travels domestically on a regular basis, and over a year of regular travel, delivers significant tangible value.

No-Cost EMI on Flight and Hotel Bookings

Flight and hotel bookings made through the bank’s rewards portal can be converted into interest-free instalments at zero processing fee. For significant travel purchases, this means spreading the payment over time without paying more than the original booking cost.

Instant Savings at Partner Merchants

At checkout with partner merchants — across shopping, dining, and lifestyle — the discount comes off automatically. No code to enter, nothing to redeem afterwards.

Comprehensive Cardholder Protection

The card includes comprehensive protection cover for transactions made online and offline, covering the common fraud scenarios and card-related risks that cardholders face in day-to-day use.

Fuel Surcharge Waiver

Fuel up at any petrol station across India and the surcharge is waived on eligible transactions. Each individual saving is small — but if you fill up regularly, it adds up across the year.

Flexible EMI on Large Purchases

For bigger purchases — a high-value appliance, a holiday booking, a significant shopping run — the card lets you split the amount into monthly instalments. No need to absorb the full cost in a single billing cycle.

Lifetime-Free Add-on Cards

Family members above 18 years can be added as cardholders on lifetime-free add-on cards, sharing in the same rewards and lifestyle benefits linked to the primary account at no additional cost.

Fees and Charges

The AU Ananta Credit Card has joining and annual fees, interest on any carried balance, cash advance charges, late payment fees, and a fee on foreign currency transactions. Add-on cards for eligible family members are lifetime-free. A fuel surcharge waiver is available on qualifying transactions. Fee amounts are reviewed from time to time — visit www.au.bank.in or call AU Small Finance Bank customer care to get the current schedule before you apply.

Features at a Glance

How to Apply

1. Head to the AU Small Finance Bank website, or open the AU 0101 app on your phone
2. Go to Credit Cards and look for the premium lifestyle card
3. Complete the application with personal and income details
4. Upload KYC documents — identity proof, address proof, PAN card, and income proof
5. AU Bank will review your application and credit profile and notify you via SMS or email
6. On approval, activate your card through the AU 0101 app or customer care to unlock your welcome benefits

Tips to Get Maximum Value

• Make Shopping, Dining, and Travel the primary use cases for the card — these earn at the highest reward rate  
• Book all flights and hotels through the bank's rewards portal to access no-cost EMI on travel
• Monitor your annual milestone spend targets and time larger purchases to cross each threshold and unlock bonus reward points
• Use airport lounge access on every domestic flight — arrive a little early and make use of the comfort it provides
• Check the partner merchant list and direct shopping, dining, and lifestyle spends to partner outlets for instant discounts
• Pay the full outstanding amount each month — carrying a balance attracts finance charges that offset the rewards and savings earned

Frequently Asked Questions

Q1. What welcome benefit does this card offer?

On activation, a substantial bonus reward points benefit is credited to your account — one of the stronger welcome offerings in the premium card segment. Points are redeemable through the bank’s loyalty programme.

Q2. How does the annual milestone rewards programme work?

The programme sets defined annual spend thresholds — crossing each one unlocks an additional tier of bonus reward points over and above regular earnings. The card is structured to reward higher annual spends progressively.

Q3. Is lounge access available on every visit or is it limited per year?

Complimentary domestic airport lounge access is provided — subject to the terms and conditions applicable to the card. Please refer to AU Small Finance Bank's current terms for the specific access structure applicable to your card variant.

Q4. What is no-cost EMI on travel bookings?

Book flights or hotels through the bank’s rewards portal and you can break the cost into equal monthly instalments — no interest added, no processing fee charged. What the booking costs is exactly what you pay, just not all at once.

Q5. How do the accelerated rewards compare to standard cards?

On Shopping, Dining, and Travel, the earning rate holds up well against comparable premium cards. Layer in the welcome benefit and the milestone programme, and the total return — especially for someone who uses the card actively across these three categories — is meaningfully stronger than what a standard card would give you.

Q6. Are add-on cardholders eligible for the same benefits?

Family members above 18 can be added on lifetime-free add-on cards. Reward points go into the primary account, and add-on cardholders transact just like any regular cardholder. For benefits such as lounge access and milestone rewards, the primary account terms govern — check the current schedule for specifics.

Feature details, fees, and eligibility criteria come from information published by AU Small Finance Bank and may be updated. Check the bank’s website or call customer care for the current terms before you apply. Reward points and any cashback accrue under the bank’s loyalty programme rules.