AU Ananta Credit Card

The flagship card of AU Small Finance Bank's 2026 four-tier portfolio, aimed at affluent customers with lounge access tied to AU Rewardz flight bookings and rich milestone bonuses.

Rates and fees last verified 15 July 2026.

Annual fee

₹2,000

Joining fee

₹2,000

Reward type

points

Base reward rate

0.5%

Card network

Visa

Card tier

Premium

Benefits by category

🍽️ Dining & food delivery
1.25% reward rate
✈️ Travel
1.25% reward rate · 4 complimentary domestic lounge visits/quarter on flight bookings above ₹5,000 via AU Rewardz
🛍️ Shopping
1.25% reward rate
⛽ Fuel
1% fuel surcharge waiver, capped at ₹250/cycle
🌍 Forex / international spend
3.5% forex markup on international transactions

Eligibility

Minimum credit score: 750
Minimum monthly income: ₹1,00,000
Employment: salaried, self-employed
Age: 21–65

Benefits

8,000 Bonus Reward Points on activation and first transaction within 30 days
4 complimentary domestic lounge visits/quarter on flight bookings above ₹5,000 via AU Rewardz
Up to 50,000 bonus reward points annually on ₹10 lakh yearly spend
1% fuel surcharge waiver, capped at ₹250/cycle

Pros

+ Rich welcome bonus (8,000 points)
+ High annual milestone bonus potential
+ Fee waived on a reasonable ₹3L/year spend

Cons

− Lounge access is conditional on booking flights via AU Rewardz, not a standalone perk
− New product line with limited track record
− 3.5% forex markup on a premium-tier card

Apply on AU Small Finance Bank's site