Earn 5 Reward Points per ₹100 on Shopping, Dining & Travel; 2 RP per ₹100 on other retail spends; 1 RP per ₹100 on Insurance, Utility & Telecom
15% off on Amazon Fashion, District by Zomato Dining and Hotel bookings on AU Rewardz (capped offers)
Xpress EMI, Contactless Payments up to ₹5,000, and Lifetime-Free Add-on Cards
Comprehensive insurance: ₹50L Air Accident, ₹5L Credit Shield, ₹25,000 Purchase Protection, and travel covers
4 Complimentary Domestic Airport Lounge visits per calendar quarter via AU Rewardz
Fees
Joining Fee8,000 Bonus Reward Points on card activation and 1st successful transaction within 30 days of card issuance
₹2,360
₹2,000 + GST
Annual FeeSpend ₹3 Lakh in retail spends in previous card anniversary year
₹2,360
₹2,000 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.49 ₹1,000 → ₹34.90 ₹10,000 → ₹349 ₹1,00,000 → ₹3,490
3.49%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)
2.5%
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentNo fee is levied on domestic rental transactions made using the credit card. International rental transactions attract 1% of the transaction value, subject to a minimum of ₹99 per transaction
1%
Cheque PaymentA fee of 2% of the payment amount or ₹500
2%
Cash PaymentNo fee is charged for credit card bill payment through Cash Deposit mode
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
