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Welcome Bonanza
Kickstart your journey with 8,000 Bonus Reward Points on card activation*
Elevate Each Spend with Reward Points
Earn up to 5 Reward Points per ₹100 on Shopping, Dining & Travel spends* — amongst the best rewards Credit Cards in its category
Always on Savings
Enjoy up to 15% instant discount at partner merchants*
Travel Made Easier
Enjoy complimentary Domestic Airport Lounge Access and No-Cost EMI on Flight & Hotel Bookings through AU Rewardz
Milestone Magic
Earn up to 50,000 Reward Points in a card‑anniversary year *.
Comprehensive Protection Cover
Your card comes with essential safety and security benefits
Curated Partner Offers
Special offers basis your selected network variant
Fuel Surcharge Waiver
Save 1% surcharge on fuel spends ₹400–₹5,000 across India* (Maximum ₹200 per statement cycle)
AU Rewardz
Redeem your Reward Points for a range of amazing benefits
Xpress EMI
Manage your Credit Card bills by converting transactions of ₹500 and above with a minimum total value of ₹2,000 into EMIs.
Contactless Payments
Make quick, secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with a digitally added card on a POS machine.
Add-on Cards
Offer your Credit Card benefits to your loved ones through the lifetime-free add-on card.
Things to know
Eligibility
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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View balance and transactions
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Download account statement
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40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
FAQs
What is the joining fee for the AU Ananta Credit Card?
The joining fee for the AU Ananta Credit Card is ₹2,000 + GST. Joining Fees is charged on card activation.
Is there any joining fee waiver on this card?
No, there is no joining fee waiver on the AU Ananta Credit Card. However, Cardholders receive a Welcome Benefit of 8,000 Reward Points on card activation and 1st transaction.
What is the annual fee and how can it be waived?
The annual fee is ₹2,000 + GST. This fee will be waived once Cardholders spend ₹3,00,000 or more in the card anniversary year.
Annual Fees is charged every year on completion of card anniversary if spends criteria is not met.
Card Anniversary Year is the period from the card issuance date/card anniversary date + 364 days. For Example, if your card was issued on 27th April 2026, your card anniversary date will be the same day of the next year, on 27th April 2027.
What is the Welcome Benefit on AU Ananta Credit Card?
You earn 8,000 Bonus Reward Points on successful card activation and 1st transaction within 30 days of card issuance. Reward Points will be automatically credited in Cardholder’s Reward Points balance and Cardholder can visit AU Rewardz section to redeem the same.
How can Cardholders earn accelerated Reward Points?
Cardholder can earn 5 Reward Points per ₹100 spent on Shopping, Dining and Travel categories.
Note: Cardholders can earn a maximum of 5000 Reward Points in a card statement cycle.
What Reward Points do Cardholders earn on other spending categories?
- 2 Reward Points per ₹100 on all other retail spends
- 1 Reward Point per ₹100 on insurance, utility, and telecom spends
Note: Cardholders will not earn any Reward Points on following categories: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation and Quasi Cash transactions
Are there any milestone benefits on the AU Ananta Credit Card?
Yes. Cardholders can earn up to 50,000 additional Reward Points in a card anniversary year on cumulative spends of ₹10,00,000:
Milestone | Spend Required | BONUS Reward Points | Value in ₹ |
1st | ₹ 2.5 Lacs | 5,000 | ₹ 1,250/- |
2nd | ₹ 5 Lacs | 10,000 | ₹ 2,500/- |
3rd | ₹ 7.5 Lacs | 15,000 | ₹ 3,750/- |
4th | ₹ 10 Lacs | 20,000 | ₹ 5,000/- |
Total | 50,000 | ₹ 12,500 |
Note: Fuel and Cash spend will not be considered for Milestone calculation.
What merchant discounts are available on AU Ananta Credit Card?
You can enjoy 15% instant discounts on Amazon Fashion, Dining by District, Hotel bookings via AU Rewardz.
Spend Category | Shopping | Dining | Travel |
Merchant | Amazon Fashion | District | AU Rewardz |
Max Cashback per month | ₹ 500 | ₹ 500 | ₹ 500 |
Frequency | Once per month | Once per month | Once per month |
Minimum Transaction Amount | ₹ 1,000 | ₹ 1,000 | ₹ 3,000 |
Applicable on Add-ons | Yes | Yes | No |
Does the AU Ananta Credit Card offer airport lounge access?
Yes. Cardholders get 4 complimentary domestic lounge visits per quarter when they book flight tickets of ₹5,000 or more via AU Rewardz. Know More.
Are there any EMI benefits on the card?
Yes. Cardholders can get a 3‑month No‑Cost EMI benefit on Flight and Hotel bookings made via AU Rewardz. A nominal fees of ₹ 199 + GST will be applicable for converting the transaction into No Cost EMI. Transaction amount needs to be >= ₹ 2,000 for converting the transaction into EMI. Cardholders can convert other transactions into eazy EMI and can enjoy ongoing Merchant EMI Offer
Is fuel surcharge waiver available on AU Ananta Credit Card?
Yes. You get a 1% fuel surcharge waiver, up to ₹200 per statement cycle.
What all insurance and protection benefits are included with Ananta credit card?
With the Ananta Credit Card, cardholders will get Insurance Coverage, Card Liability Cover, Air Accident Cover, Purchase Protection, Baggage Loss, Baggage Delay, Flight Delay, Loss of Passport, Credit Shield, and Device Protection Plan. To know more click here
