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Is the AU Traverse Credit Card Worth It?

Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.

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AU Traverse Credit Card
AU Traverse Credit CardView card →
  • International card
  • ₹5,899 fee a year (with GST)
  • Fee waived from ₹50,000 a month
  • 0.5% base, up to 1% on foreign spends
  • 16 lounge visits a year
  • Pays in reward points
Good for
  • foreign spends: 1% back
  • spending ₹50,000 or more a month: the ₹5,899 fee is waived
  • flyers: 16 airport lounge visits a year
  • spending abroad: 0.99% markup, most cards add 3.5%
Skip it if
  • you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
  • most of your spending is fuel, rent, education or government payments: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you rarely spend on foreign spends: the 1% rate applies only there, everything else earns 0.5%
  • you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

Your spend a month, by kind

Terms on the normal rate: 2 reward points per ₹100 on domestic spends (~0.5%); fuel, EMI, cash, rent, education and government transactions are excluded

Also earns nothing on: Transportation MCCs (per 10-Apr-2026 bank-wide notice; product page not yet updated).

Total on the card: ₹0 a month

Abroad and benefits

Every rate on this card, and what your spend earns

Earns nothing onFuelEMICash withdrawalsRentEducationGovernmentTransportation MCCs (per 10-Apr-2026 bank-wide notice; product page not yet updated)

Spend categoryRateMonthly capWhere it appliesYour spend earns
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI-
Online shopping0.5%No capThe card's normal rate-
Dining and food delivery0.5%No capThe card's normal rate-
Groceries0.5%No capThe card's normal rate-
Travel: flights, hotels, trains0.5%No capThe card's normal rate-
FuelEarns nothing-earns nothing on this card-
Bills and recharges0.25%No capAll merchants in the categoryTerms: 1 reward point per ₹100 on insurance, utility and telecom payments (~0.25%), capped at 100 points per transaction-
RentEarns nothing-earns nothing on this card-
Insurance premiums0.5%No capThe card's normal rate-
School and college feesEarns nothing-earns nothing on this card-
Wallet top-ups0.5%No capThe card's normal rate-
Taxes and government paymentsEarns nothing-earns nothing on this card-
Spend abroad or in a foreign currency1%No capAll merchants in the categoryTerms: 4 reward points per ₹100 on international spends (~1%), with a low 0.99% forex markup-
Everything else0.5%No capThe card's normal rate-

Common Questions

When is a credit card worth its annual fee?

When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.

Why is GST added to the fee?

Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.

What does 'capped' mean?

Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.

Is a lifetime free card always better?

Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.

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