AU Small Finance Bank
AU Ananta Credit Card
Data last verified: 11 October 2026
- Joining fee₹2,000 + GST
- Annual fee₹2,000 + GST
- Reward rate0.5% base, up to 1.25% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,000 + GST
- Annual fee₹2,000 + GST
- Fee waiverOn ₹3 lakh spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹200 a month
AU Ananta pays 5 reward points per Rs 100 on shopping, dining and travel, which works out to about 1.25% at 25 paise a point. Everything else earns 2 points per Rs 100, and insurance, utility and telecom bills earn 1. A milestone ladder adds up to 50,000 bonus points once you cross Rs 10 lakh in a card year.
It costs Rs 2,000 to join and Rs 2,000 a year, and the renewal fee is waived once you spend ₹3 lakh in the year. The first milestone of 5,000 points at Rs 2.5 lakh is worth about Rs 1,250 on its own, so a steady spender gets most of the fee back quickly.
It suits someone who spends a good chunk online, on food and on trips. The catch is the shared cap of 5,000 points per statement on the 5X categories, and lounge visits only count if you book a flight through AU Rewardz that quarter.
Best for: Salaried users earning Rs 25,000 a month or more, Heavy online shoppers and diners, People who spend Rs 3 lakh or more a year on one card, Occasional domestic flyers who book through the bank portal.
01AU Ananta Credit Card Rewards and Benefits
02AU Ananta Credit Card Annual Fee and Charges
- Joining fee
- ₹2,000 + GST
- Annual fee
- ₹2,000 + GST
- Spend-based waiver
- Annual fee waived on ₹3 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹200 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,656 a year₹138
- Annual fee with 18% GST−₹2,360
- It costs you each year₹704
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping: 1.25% back, up to ₹1,250 a month
- Dining: 1.25% back, up to ₹1,250 a month
- Spending ₹25,000 or more a month: the ₹2,360 fee is waived
- Flyers: 16 airport lounge visits a year
Skip it if…
- you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹2,360 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 online shopping, dining or travel: the 1.25% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- ₹2,000 joining and annual fee, renewal waived at ₹3 lakh yearly spend
- 5 reward points per ₹100 on shopping, dining and travel (about 1.25%)
- 2 points per ₹100 on other spends, 1 point on insurance, utility and telecom
- 8,000 welcome points on activation and a first transaction within 30 days
- Up to 50,000 milestone points a year across ₹2.5 lakh, 5 lakh, 7.5 lakh and 10 lakh
- 4 domestic lounge visits a quarter with a ₹5,000+ flight booked via AU Rewardz
- 3.49% forex markup
05Pros and Cons
Pros
- About 1.25% back on shopping, dining and travel
- Milestone ladder adds up to 50,000 bonus points a year
- Fee waiver at ₹3 lakh is within reach for a primary card
- 8,000 welcome points soon after activation
Cons
- 5X earning is capped at 5,000 points a statement, shared across all three categories
- Lounge visits need a ₹5,000 flight booking on AU Rewardz that quarter
- No points on fuel, rent, education, government payments, EMIs or bill payments via BBPS
- 3.49% forex markup makes it poor for foreign spends
06How AU Ananta Credit Card earns Rewards
0.5% base, up to 1.25% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1.25% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 5 reward points per ₹100 on shopping (~1.25%); the 5,000-point statement-cycle cap is shared across shopping, dining and travel |
| Dining and food delivery | 1.25% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 5 reward points per ₹100 on dining (~1.25%); the 5,000-point statement-cycle cap is shared across shopping, dining and travel |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.25% | ₹1,250, shared with other bonus rates | All merchants in the categoryTerms: 5 reward points per ₹100 on travel (~1.25%); the 5,000-point statement-cycle cap is shared across shopping, dining and travel |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance, utility and telecom spends (~0.25%), capped at 100 reward points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance, utility and telecom spends (~0.25%), capped at 100 reward points per transaction |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 0.5% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on all other retail spends (~0.50%)
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU Ananta Credit Card Lounge Access and Travel
Domestic lounge access is 16 visits a year. 4 complimentary domestic airport lounge visits per calendar quarter, unlocked by booking a ₹5,000+ flight via AU Rewardz that quarter. Spending abroad carries a 3.49% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
- Milestone bonuses: 10,000 further bonus reward points on ₹5 lakh of cumulative anniversary-year spend, second rung of the incremental ladder (fuel and cash spends excluded)
- Milestone bonuses: 15,000 further bonus reward points on ₹7.5 lakh of cumulative anniversary-year spend, third rung of the incremental ladder (fuel and cash spends excluded)
- Milestone bonuses: 20,000 further bonus reward points on ₹10 lakh of cumulative anniversary-year spend, final rung of the ladder (50,000 points total across the year; fuel and cash spends excluded)
- Milestone bonuses: 5,000 bonus reward points on ₹2.5 lakh of cumulative anniversary-year spend, first rung of AU's incremental milestone ladder (fuel and cash spends excluded)
08AU Ananta Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 4 May 2026 | Changed: AU Ananta launches as part of a four-card clusterSource: AU Small Finance Bank | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU Ananta Credit Card
AU Ananta Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Ananta Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹2,000 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹2,000 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 1.25% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 16 visits a year | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your AU Ananta Credit Card Bill
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Common Questions
Is the ₹2,000 annual fee waived?
Yes, the renewal fee is waived once you spend ₹3 lakh in a card year. Below that the ₹2,000 fee plus GST is charged.
How much are AU Ananta reward points worth?
About 25 paise each. So 5 points per ₹100 on shopping, dining and travel is roughly 1.25% back.
Does it give free airport lounge access?
Yes, 4 domestic visits a quarter, but only in a quarter where you book a flight of ₹5,000 or more through AU Rewardz.
What is the joining fee for the AU Ananta Credit Card?
The joining fee is ₹2,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Ananta Credit Card?
The annual fee is ₹2,000 + GST.
Does the AU Ananta Credit Card give airport lounge access?
Yes. Domestic lounge access is 16 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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