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AU Ananta Credit Card Review
The short version. Ananta is the flagship of AU Small Finance Bank’s new card family and its most travel-and-lifestyle-focused. Accelerated points on shopping, dining and travel, four domestic lounge visits a quarter (on AU Rewardz flight bookings) and up to 50,000 milestone points make it a serious mid-premium contender for someone who spends ₹2–3 lakh a year and travels.
Fees & charges
| Charge | Detail |
|---|---|
| Joining / annual fee | ₹2,000 + GST |
| Fee waiver | On annual spends of ₹3,00,000 |
| Forex markup | 3.49% |
| Welcome benefit | 8,000 bonus reward points on activation |
| Fuel surcharge waiver | 1% on transactions of ₹400–₹5,000 (max ₹200 per statement cycle) |
| Airport lounge | 4 domestic visits per quarter, unlocked by a ₹5,000+ flight booking on AU Rewardz |
Rewards & benefits
Ananta leans into travel and lifestyle value:
- 8,000 bonus reward points on card activation and first transaction within 30 days of issue.
- 15% instant discount on Amazon Fashion (up to ₹500/month).
- 15% instant discount on hotel bookings via the rewards portal.
- 2 complimentary domestic flight seats on MakeMyTrip (max ₹350; Visa variant offer).
- 4 domestic lounge visits per quarter.
- Up to 50,000 bonus points on ₹10 lakh annual spend (5,000 at ₹2.5 lakh, 10,000 at ₹5 lakh, 15,000 at ₹7.5 lakh, 20,000 at ₹10 lakh).
- Complimentary Times Prime membership (Visa variant offer).
Eligibility & documents
AU Small Finance Bank typically requires applicants to be resident Indians (salaried or self-employed) within the bank’s age and income norms, with standard KYC (PAN and Aadhaar/address proof). Existing AU customers can often see pre-approved offers in the AU 0101 app. Exact income eligibility varies by variant — the premium cards need a higher income than the entry cards.
Who it’s for
Where it shines
- 5 points per ₹100 on shopping, dining and
- travel
- 4 lounge visits/quarter (needs a ₹5,000+ flight booking via AU Rewardz)
- Big potential anniversary bonus (up to 50,000 points)
- Visa-variant offers add MakeMyTrip flight seats and Times Prime
Where it falls short
- ₹2,000 fee needs ₹3 lakh/yr spend to waive
- Best perks assume you actually travel and use the portal
- From a smaller issuer than the big-four banks
How it compares
Within AU’s own ladder, Ananta sits above Laksya and Tejas as the premium travel option, and well above the existing AU LIT card in benefits. Its 3.49% forex markup is standard, so its strengths are the milestone points and 15% merchant discounts. If travel is your priority, also weigh our best travel credit cards guide.
Verdict
Ananta is a genuinely competitive mid-premium card, and the milestone points, 15% merchant discounts and four quarterly lounge visits punch above its ₹2,000 fee. If you spend ₹2–3 lakh a year and travel a few times, it is easy to justify. Our score: 8.0/10.
Frequently asked questions
What is the AU Ananta annual fee?
₹2,000 + GST, waived on annual spends of ₹3,00,000.
What is the forex markup?
AU’s schedule of charges lists a 3.49% foreign-currency markup for Ananta, the standard rate on AU’s retail cards. Confirm in the current MITC.
How many lounge visits does Ananta offer?
Four domestic airport lounge visits per quarter, when you book a ₹5,000+ flight via AU Rewardz.
What is the welcome benefit?
8,000 bonus reward points on activation and first transaction within 30 days, plus up to 50,000 milestone points on ₹10 lakh annual spend.
Apply on the official AU Bank site →