AU Bank Ananta Credit Card
AU Small Finance Bank · Visa · Mid card
It fills the gap between AU mid-tier cards and Zenith for spenders focused on shopping, dining and travel.
Higher-spend AU customers who can use the shopping, dining and annual milestone benefits.
Terms checked 24 Sept 2026
- Annual fee
- ₹2,000 + GST
- Joining fee
- ₹2,000 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1.3% |
| Dining & delivery | 1.3% |
| Travel & hotels | 1.3% |
| Offline store shopping | 1.3% |
| Groceries & essentials | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| Other miscellaneous | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Spend condition: Four domestic lounge visits per quarter require an eligible AU Rewardz flight booking that meets the issuer minimum ticket requirement; the aggregate engine cannot prove this portal and single-booking condition.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
Shopping points
Usage-based valueFive points per ₹100 on eligible shopping, sharing a statement-cycle cap with dining and travel.
Dining points
Usage-based valueFive points per ₹100 on eligible dining, sharing a statement-cycle cap with shopping and travel.
Travel points
Usage-based valueFive points per ₹100 on eligible travel, sharing a statement-cycle cap with shopping and dining.
Utility, telecom and insurance points
Usage-based valueOne point per ₹100 on eligible utility, telecom and insurance payments.
Other eligible points
Usage-based valueTwo points per ₹100 on other eligible purchases.
Three-month no-cost EMI on eligible AU Rewardz flights and hotels, subject to ₹199 plus tax conversion fee and ₹2,000 minimum
Shown without a cash valueFive points per ₹100 on eligible shopping, dining and travel
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,000₹2,000 annual fee before applicable tax.
Joining fee
Cost ₹2,000₹2,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,000Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
Welcome benefits · 1 item
8,000 points or ₹2,000 voucher
Recorded value ₹2,000Choice of 8,000 AU Reward Points or a ₹2,000 voucher, both conservatively valued at ₹2,000.
Conditions: Activate the card and complete the first eligible purchase within 30 days · Select and claim the eligible welcome option under issuer terms
Spend milestones · 4 items
5,000 points at ₹2.5 lakh
5,000 reward unitsUnlocked after ₹2,50,000 of eligible spending.
Conditions: Reach ₹2,50,000 per card anniversary year
Exclusions: fuelCommute
10,000 points at ₹5 lakh
10,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Exclusions: fuelCommute
15,000 points at ₹7.5 lakh
15,000 reward unitsUnlocked after ₹7,50,000 of eligible spending.
Conditions: Reach ₹7,50,000 per card anniversary year
Exclusions: fuelCommute
20,000 points at ₹10 lakh
20,000 reward unitsUnlocked after ₹10,00,000 of eligible spending.
Conditions: Reach ₹10,00,000 per card anniversary year
Exclusions: fuelCommute
Airport lounge access · 2 items
Four domestic airport-lounge visits per quarter after an eligible ₹5,000+ AU Rewardz flight booking; not auto-valued
Shown without a cash valueConditional airport-lounge access after an eligible AU Rewardz flight booking
Shown without a cash value
Movies and entertainment · 1 item
15% monthly discounts at Amazon Fashion, District dining and AU Rewardz hotels, each capped at ₹500 with separate minimum spends
Shown without a cash value
Insurance and protection · 9 items
Insurance Coverage
Shown without a cash valueCard Liability Cover
Shown without a cash valueAir Accident Cover
Shown without a cash valuePurchase Protection
Shown without a cash valueBaggage Loss and Delay Cover
Shown without a cash valueFlight Delay Cover
Shown without a cash valuePassport Loss Cover
Shown without a cash valueCredit Shield
Shown without a cash valueDevice Protection Cover
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU does not publish a universal numeric income threshold for Ananta.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹200 per statement cycle
Shown without a cash value
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ Five points per ₹100 on eligible shopping, dining and travel
- ✓ Up to 50,000 cumulative milestone points at ₹10 lakh anniversary-year spend
- ✓ Choice of 8,000 welcome points or a ₹2,000 voucher
- ✓ Conditional airport-lounge access after an eligible AU Rewardz flight booking
What to watch
Shopping, dining and travel points share a 5,000-point statement-cycle cap. Lounge access requires an AU Rewardz flight transaction of at least ₹5,000, so it is disclosed but not auto-valued from broad travel spend.
Recorded exclusions
Fuel Commute · Rent · Education Family · Government payments · Wallet load · Quasi cash · Transportation · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026