AU Small Finance Bank
AU Traverse Credit Card
Data last verified: 11 October 2026
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Reward rate0.5% base, up to 1% on foreign spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹4,999 + GST
- Annual fee₹4,999 + GST
- Fee waiverOn ₹6 lakh spend a year
- Forex markup0.99%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
01AU Traverse Credit Card Rewards and Benefits
02AU Traverse Credit Card Annual Fee and Charges
- Joining fee
- ₹4,999 + GST
- Annual fee
- ₹4,999 + GST
- Spend-based waiver
- Annual fee waived on ₹6 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 0.99%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 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 spend abroad or in a foreign currency, earning 1%₹50
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,500 a year₹125
- Annual fee with 18% GST−₹5,899
- It costs you each year₹2,622
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
- 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
04How AU Traverse Credit Card earns Rewards
0.5% base, up to 1% on foreign spends.
| 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 | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 0.5% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| 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 payments (~0.25%), capped at 100 points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.5% | No cap | The card's normal rate |
| 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 | 1% | No cap | All merchants in the categoryTerms: 4 reward points per ₹100 on international spends (~1%), with a low 0.99% forex markup |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on domestic spends (~0.5%); fuel, EMI, cash, rent, education and government transactions are excluded
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05AU Traverse Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 8 visits a year. 2 complimentary domestic and international airport lounge visits per quarter. Spending abroad carries a 0.99% forex markup; rewards on it: 1% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, airport lounge access, milestone bonuses.
- Concierge service: 4 complimentary airport Meet & Assist services per year (1 per quarter), end-to-end VIP check-in, booked via the concierge line
- Concierge service: 4 complimentary airport spa accesses per year (up to 1 a quarter)
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹250 per cycle
- Milestone bonuses: Flat ₹500 cashback on duty-free shopping spends of ₹10,000 or more, a duty-free purchase benefit, not a general spend milestone
- Milestone bonuses: ₹10,000 Taj Hotels voucher on ₹10 lakh of spend in a card anniversary year (fuel and cash transactions are not counted towards this milestone)
06AU Traverse Credit Card Eligibility and Documents
- Age
- 18 to 75 years
- Employment
- Salaried or self-employed
Documents. Passport and valid visa / NRI status proof PAN card or Form 60 NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank Overseas / Indian address proof
07Recent 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 |
| 10 Apr 2026 | Reduced: Transportation-category spends stop earning reward points | Rail, transit, toll and similar transportation MCCs earned reward points | 11 transportation MCCs excluded from reward earning |
| Jul 2025 | Changed: AU Traverse launches as an NRI-exclusive premium travel card | - | - |
See this card's change history → · All card changes in July 2026 →
08Cards Similar to AU Traverse Credit Card
AU Traverse Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Traverse Credit Card |  AU Xcite Ultra Credit Card |  AU Zenith Credit Card |
|---|---|---|---|
| Joining fee | ₹4,999 + GST | ₹749 + GST | ₹7,999 + GST |
| Annual fee | ₹4,999 + GST | ₹749 + GST | ₹7,999 + GST |
| Rewards | 0.5% base, up to 1% on foreign spends | 1% base, up to 3% on foreign spends | 0.75% base, up to 1.25% on dining |
| Domestic lounge | 8 visits a year | 8 visits a year | 8 visits a year |
| Forex markup | 0.99% | 3.49% | 3.49% |
| Type | International | International | Dining |
09Explore 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 Traverse Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the AU Traverse Credit Card?
The joining fee is ₹4,999 + 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 Traverse Credit Card?
The annual fee is ₹4,999 + GST.
Does the AU Traverse Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 8 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.
Other options worth a look
See all credit cards
Guides in Plain Words
Short reads that explain how it works before you decide.
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
