| General |
| Brand | AU Bank |
| Best Suited For | Travel Shopping |
| Welcome Benefits | N/A |
| Spend Based Waiver | Joining fee waived off on expenditure of Rs. 40,000 within 90 days of card setup, renewal fee (second year onwards) waived off on expenditure of Rs. 1.5 lakh in the preceding year |
| Fee and Charges |
| Joining fee | Rs. 2,999 + GST |
| Renewal Fee | Rs. 2,999 + GST |
| Interest Rate | 2.99% per month (35.88% annually) |
| Foreign Currency Markup | 2.99% of the transaction amount |
| Cash Advance Charges | 2.5% of the transaction amount (subject to a minimum charge of Rs. 100) |
| Add-on Card Fee | Nil |
| Rewards Redemption Fee | Nil |
| Movie & Dining |
| Movie & Dining | N/A |
| Travel |
| Domestic Lounge Access | 1 per quarter under Visa domestic lounge program |
| International Lounge Access | 1 per quarter with Priority Pass membership |
| Fuel Surcharge | Fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000 (max waiver capped at Rs. 250 per month) |
| Other travel benefits | |
| Shopping |
| Rewards Rate | 10 Reward Points per Rs. 100 on utility bill payments (reward rate = 2.5%), 4 Reward Points per Rs. 100 on grocery and departmental store spends (reward rate = 1%), 2 Reward Points per Rs. 100 on all other retail spends except fuel (reward rate = 0.5%) |
| Rewards Redemption | |
| Insurance and protection |
| Insurance Benefits | Comprehensive insurance cover including Credit Shield, lost card liability cover, air accident cover and many other travel-related insurance covers |
| Zero Liability Protection | Cardholder not liable for any fraudulent transaction with the card post reporting the loss of card to the bank |
| Golf |
| Golf | N/A |
