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AU Small Finance Bank Traverse Credit Card (NRI)
Visa
AU Small Finance Bank Traverse Credit Card (NRI)
A travel card AU issues only to NRIs who hold an NRE savings account and NRE FD with the bank, applied for at a branch. Its draw is the 0.99% forex markup, zero cash-withdrawal fee and quarterly domestic plus international lounge access; the reward rate itself is modest at roughly 1% on international and 0.5% on domestic spends.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Reward redemption: AU Rewardz portal: e-vouchers, merchandise, recharges, flight/hotel bookings
- Travel: ₹5,000 MakeMyTrip voucher on activation within 30 days; 4 complimentary airport meet-and-assist services a year (1 per quarter); 4 airport spa visits a year (1 per quarter); flat ₹500 cashback on duty-free spends of ₹10,000+
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per quarter via Priority Pass (Priority Pass use inside India is chargeable)
Benefits by category
- ✈️ Travel
2 domestic and 2 international lounge visits per quarter
- 🌍 Forex / international spend
0.99% markup on foreign-currency spends · 0.99% forex markup on international transactions
Eligibility
- Age: 18–75
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- Rewards redemption fee: ₹99 + GST
- Foreign currency markup: 0.99%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions of ₹400–₹5,000, up to ₹250 per statement cycle
- Cash advance charges: No cash withdrawal fee; cash limit up to 50% of the credit limit (interest still applies from the date of withdrawal)
Benefits
- 0.99% markup on foreign-currency spends
- ₹5,000 MakeMyTrip voucher on activating the card within 30 days
- 4 reward points per ₹100 on international spends, 2 per ₹100 on domestic spends, 1 per ₹100 on insurance, utility and telecom
- ₹10,000 Taj voucher on ₹10 lakh spend in a card anniversary year
- 2 domestic and 2 international lounge visits per quarter
- 4 complimentary airport meet-and-assist services and 4 airport spa visits a year
Pros
- + Low 0.99% forex markup and no cash-withdrawal fee
- + Domestic and international lounge access every quarter, plus meet-and-assist and spa visits
- + ₹5,000 MakeMyTrip welcome voucher and fee waiver at ₹6 lakh spend
Cons
- − Only for NRIs with an AU NRE account and NRE FD; branch application only
- − Base rewards are low (about 0.5% domestic, 1% international)
- − Fuel, rent, education, government and EMI spends earn no points