AU Ananta Credit Card

Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, travel, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.5% base rate
• Domestic lounge access: 4 complimentary domestic lounge visits per quarter, conditional on flight bookings above ₹5,000 via AU Rewardz

• 🍽️ 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 ₹200 per statement month

• 🌍 Forex / international spend

  3.49% forex markup on international transactions

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

• Spend-based waiver: Waived on annual spend of ₹3,00,000
• Rewards redemption fee: ₹99 + GST per redemption request
• Foreign currency markup: 3.49%
• Interest rate: 45% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹200 per statement month
• Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction

• 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 ₹200 per statement month