Best Credit Card

Airport Lounge Benefits

  • 2 complimentary domestic airport lounge visits per calendar quarter using the AU Credit Card
  • From 10th April 2026, domestic lounge access will require a minimum spend of ₹50,000 in a calendar quarter
  • Priority Pass usage within India is chargeable
  • Additional complimentary lounge access appears to be available per calendar quarter

Fees

Joining Fee Not Applicable
Free
Lifetime Free
Annual Fee Not Applicable
Free
Lifetime Free

Eligibility

Age
21-60 years
Salary
₹83.3K / Month
Credit Score
725+

Bank Fee Structure

Forex Markup 1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency.
1.99%
Finance Charges (APR) 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.
3.75%
ATM Withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.
2.50%
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals.
1.80%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment A fee of ₹25 is charged for payments made by cheque.
₹25
Cash Payment Not Applicable
Not Applicable

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹101 - ₹500₹100
₹501 - ₹5000₹600
₹5001 - ₹10000₹700
₹10001 - ₹25000₹800
₹25001 - ₹50000₹1100
₹50001 - and above₹1300

Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date. Charges are based on the total outstanding amount as per the slab structure above.

Reward Exclusions

Cash AdvancesRent PaymentEducation SpendsGovernment-related TransactionsEMI SpendsFuel SpendsUtility Bill PaymentsQuasi-Cash Transactions

Terms & Conditions

  • ...rewards
  • Welcome benefit is applicable only on spends within 30 days of card issuance

Full charges and terms: Bank MITC / Terms